#Short-term banking programme

[sapphia]

The Right Are Engineering A Recession In NZ

tumblr isn't very good at local news, which is why i tend to get my nz politics information from elsewhere. so i can confidently tell you that aotearoa under national is totally, utterly fucked. like, not just in terms of all the social progress they plan to undo, though they do very much do plan to do all of that.

national+act+nzfirst have committed to a financial policy that makes zero fucking economic sense. you know how every time the economy is in bad shape, tories sieze the good economic opportunity to slash services or give tax cuts to the rich? imagine if that was happening for just no reason at all. there’s no crisis we’re facing this would even marginally help, but that's what nact+nzfs tax cut policy is anyway.

aotearoa is currently in a cost of living crisis, like much of the world, and our inflation is, to give it it's technical term, "sticky". This means that it's not still shooting up the graph like crazy, but it should have started to go down more by now according to predictions, but it hasn't, and is sitting at an unsustainably high level.

Inflation is bad because it eats away at the value of your money (not something you want generally) but this inflation is especially bad because it's inflation we created to ward off a recession back in 2020. NZ had the hardest and fastest lockdowns in the world, but at a huge cost -- our economy basically stopped overnight. Without goods and services being bought and sold, we would have been plunged into a financial crisis. But instead the government borrowed money to fund the wage subsidy and pay workers through the lockdowns, injecting money into and stimulating the economy.

This was a bill that was always going to come back to bite us, and for the past several years, the Labour government and the Reserve Bank had been playing a balacing game with our economy, steering us between a recession and a wage-price inflation spiral, with a recession definitely being the preferable one of the two. We actually had short soft one that we’ve come out of, exactly what Grant Robertson and Adrien Orr were aiming for.

Recessions can be small or big - inflation spirals are usually just big. We wanted to aim for a "soft" landing recession by hiking interests rates just enough to bring inflation back under control. The Reserve Bank uses it's tool - the Official Cash Rate, or the OCR, which basically sets the price of interest rates across the country, and the government also can use it's powers to create monetary policy to help the economy. A lot of the criticism Labour received before losing the election was about overspending in areas post-pandemic, as putting money into the economy through government spend by using debt to fund it genuinely causes inflation.

What a government should do during a time of inflation is remove money from the economy. For example, a right wing government would often issue an austerity policy, where the cut the amount of government spending through slashing programmes, benefits, staff, etc etc. A government could also increase taxes so people have less money to spend, could pay down government debt, could invest the money into a fund (e.g. NZ has a superannuation fund that's designed to be eventually self-funding set up by Labour that National have paused payments on when getting into government). It doesn't matter too much what, theoretically speaking -- the point is to get the money out of the economy.

What you definitely, definitely don't want to do during a period of high and sticky inflation is put more money into the economy. That would do the opposite of what you want. Labour were rightfully (at some points) criticised for their inflationary policies. So you'd think National would take their criticisms of Labour’s debt blowout and start paying it down to show how responsible they are, right? No, they’re cutting taxes for (mostly) the wealthy while offsetting this with austerity measures to make this “fiscally neutral”. They will make up for the inflationary effects of doling out money to landlords by cutting back essential government services, trying to frame it as a personnel and budget blowout (it’s not) and saying Labour mismanaged the books and we are in terrible financial shape (we are not; we have a triple A credit rating).

And further, it’s becoming increasingly hard to ignore our infrastructure crisis at nearly every level and every location. Our water systems needs billions of dollars of investment that our councils can’t afford to borrow, our rates are shooting up (and so will our rents), our ferries are old and broken down and Nicola Willis Minister of Finance just canned the “too expensive” deal that was needed to replace them — with most of the money going to into wharf upgrades that are desperately needed. There was a huge sunk cost; we’re not going to be able to to buy shit now. The ferries link the North and the South Island and are vital infrastructure; when they break down (which they did multiple times last year) it causes chaos and brings things to a standstill.

Why are they doing this? Land. It’s always about fucking land. All of National have divested in shares and have bought into land under the guise of this removing the “conflict of interest” that would exist if they had invested into specific companies. The usual alternative that solves this is a blind trust, but that’s not what most of the caucus has money in. Luxon alone sold about 12 million dollars worth of Air NZ shares and now has a property profile worth 20+ million. Oh, and he’s charging the taxpayer $50,000 a year to live in his own house. Thats 2.5 times what I get on the benefit that he’s cutting and putting sanctions on.

Nact don’t care if businesses go under and share prices crash; they’ll just sell their houses and buy stocks for cheaper. Their only concern is propping up the housing market ponzi scheme that they have all invested at the top of. This is why they’ve allowed councils to opt out of densification requirements and why they cut back the brightline test and are trying to boost the population with migrant workers; all of these things make house prices go up, make housing better for investors who make millions in untaxed capital gains.

NACT will not let the property market crash any further. Despite what they’re saying out loud, they actually want it to increase.

And they’re more than happy to wreck the economy to do it.

[askagamedev]

I've noticed that both the MMO's I've played with dyeable cosmetic systems (GW2, FFXIV) also have heavily monetized storage, and fairly limited storage space for dyed armor. 800 slots for FFXIV (fills up fast), and only bank/inventory for GW2. Are these two things at all related? Does armor customization impose a costly storage burden? I thought it'd be cheap and easy to store dyed armor as simple string of values. "Player X has Y armor with dyes A, B, and C." However, I'm no programmer.

They're mostly unrelated in technical terms. The major crossover here is that both features are generally acceptable monetization avenues. There are monetization choices that western audiences are not ok with (e.g. selling power, selling content perceived to be critical path), and there are things that they (mostly) deem acceptable (convenience items, cosmetics). Players are generally good with spending money to dress up their characters and to obtain more item storage (among other things), so developers will monetize those areas so we can pay for things like continued development and keeping the lights on at the studio. For quality-of-life stuff like storage space, there's often some way to convert in-game playtime (e.g. earning in-game currency) to purchase additional storage space so that spending is more of a time-save than it is a necessity. In contrast to that, cosmetic items like equipment dye or specific outfits are generally acceptable when some are exclusively gameplay-obtained and others are exclusively purchased with real money. Both, however, are common sources of income for the game and dev team.

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[unpluggedfinancial]

Bitcoin: The Dawn of a New Digital Age

Throughout history, transformative technologies have reshaped society by dismantling barriers and expanding human potential. The printing press democratized knowledge during the Renaissance, while the internet revolutionized information sharing in our time. Bitcoin represents the next step in this evolution—a technology that could fundamentally transform our financial system, though not without important challenges to consider.

The Current Financial Landscape

Today's financial system faces significant challenges. In Venezuela, where inflation exceeded 200% in 2023, citizens watched their savings evaporate within months. In Lebanon, banks imposed strict withdrawal limits during the financial crisis, effectively trapping people's money. Meanwhile, approximately 1.4 billion adults remain unbanked globally, unable to access basic financial services due to geographical, economic, or political barriers.

Bitcoin's Practical Solutions

Bitcoin offers concrete solutions to these challenges. During Venezuela's hyperinflation, thousands of citizens converted their bolivars to Bitcoin, preserving their purchasing power despite the national currency's collapse. In Afghanistan, where women face restrictions on banking access, organizations like Code to Inspire have used Bitcoin to pay female programmers, circumventing traditional barriers.

The technology's core features enable these solutions:

Decentralization: No single entity can freeze accounts or block transactions.

Programmability: Smart contracts enable transparent, automated financial services.

Borderless nature: Transfers work the same whether sending money across the street or across continents.

Fixed supply: The 21 million coin limit provides a hedge against inflation.

Real-World Impact and Adoption

The adoption of Bitcoin as a practical tool is already showing promising results:

El Salvador's Bitcoin adoption has enabled faster, cheaper remittances for its citizens.

The Lightning Network processes millions of small Bitcoin transactions daily, with fees under a cent.

Companies like Strike are using Bitcoin's rails to enable instant, nearly free cross-border payments.

However, significant challenges remain:

Price volatility makes Bitcoin a risky store of value in the short term.

Energy consumption of Bitcoin mining raises environmental concerns.

Technical complexity creates adoption barriers for many users.

Regulatory uncertainty in many jurisdictions.

The Path Forward

Rather than an instant golden age, Bitcoin's impact will likely unfold gradually:

Near term (1-5 years):

Continued integration with traditional financial systems.

Improved user interfaces and education.

Development of clearer regulatory frameworks.

Growth of Lightning Network adoption for small payments.

Medium term (5-10 years):

Stabilization of price volatility as market matures.

Broader institutional adoption.

More energy-efficient mining through renewable energy.

Integration with Internet of Things and autonomous systems.

Long term (10+ years):

Potential emergence as a global neutral settlement layer.

Evolution of new economic models enabled by programmable money.

Reduction of financial inequality through broader access.

Development of currently unimagined applications.

A Balanced Revolution

Bitcoin represents not just a new form of money, but a fundamental upgrade to how value moves and is stored in our digital age. While it won't solve all financial problems or create utopia, it offers real solutions to pressing challenges in our current system.

The true revolution lies not in overnight transformation, but in Bitcoin's steady empowerment of individuals. From the Venezuelan preserving their savings to the Afghan woman accessing the global economy, Bitcoin is already changing lives in measurable ways.

As we move forward, success will require:

Thoughtful development of the technology.

Balanced regulation that protects while innovating.

Focus on real-world problems and solutions.

Recognition of both possibilities and limitations.

The dawn of this new digital age isn't about blind optimism—it's about building pragmatic solutions to real problems. Bitcoin may not create a perfect world, but it offers tools to build a better one, one block at a time.

Take Action Towards Financial Independence

If this article has sparked your interest in the transformative potential of Bitcoin, there's so much more to explore! Dive deeper into the world of financial independence and revolutionize your understanding of money by following my blog and subscribing to my YouTube channel.

🌐 Blog: Unplugged Financial Blog Stay updated with insightful articles, detailed analyses, and practical advice on navigating the evolving financial landscape. Learn about the history of money, the flaws in our current financial systems, and how Bitcoin can offer a path to a more secure and independent financial future.

📺 YouTube Channel: Unplugged Financial Subscribe to our YouTube channel for engaging video content that breaks down complex financial topics into easy-to-understand segments. From in-depth discussions on monetary policies to the latest trends in cryptocurrency, our videos will equip you with the knowledge you need to make informed financial decisions.

👍 Like, subscribe, and hit the notification bell to stay updated with our latest content. Whether you're a seasoned investor, a curious newcomer, or someone concerned about the future of your financial health, our community is here to support you on your journey to financial independence.

Support the Cause

If you enjoyed what you read and believe in the mission of spreading awareness about Bitcoin, I would greatly appreciate your support. Every little bit helps keep the content going and allows me to continue educating others about the future of finance.

Donate Bitcoin: bc1qpn98s4gtlvy686jne0sr8ccvfaxz646kk2tl8lu38zz4dvyyvflqgddylk

[freeuselandonorris]

hello!! i have recently started working due to peer pressure from my roommate and all i can think about when im doing arms is your oscar piastri shoulders

do you have like a program you follow because i need a goal to semi work towards so i don't walk into traffic after another day of working out

hello!! skfleadk as a former chronically unfit slug person (i say this to myself lovingly but i did not move a muscle regularly for most of my adult life) this kind of ask makes me lightheaded so thank u!!

putting this below a cut bc it's long!

anyway i am going to give you a potentially very annoying answer which is that i pay an absolutely extortionate amount of money to my personal trainer so i don't have to think about building a programme bc i find it overwhelming and stressful 😭 SORRY. my PT literally calls it my "brain off programme".

howeverrrr - i'm assuming you're doing strength training here rather than cardio which frankly i know dick all about because i hate it - the general scope of my sessions is currently pretty simple, it's based on progressive overload with a slight bias towards upper body work (as that's where i'm weakest). i don't currently do any kind of elaborate workout split, although i might do in future as i get stronger and more advanced.

if you don't know about progressive overload, it's basically just ensuring that each workout increases in intensity - either heavier weights, more reps, more sets or longer holds. so if you're currently doing (i am pulling this example out of thin air) 3 sets of 8 reps with 5kg dumbbells for your bicep curls, then you can start increasing to 3 sets of 10, then 3 sets of 12 (or 10-12-10 at first), then 4 sets of 8, etc and then move up to 6kg and go back to 3x8 and start it all again, and so on. if you google sample progressive overload programmes there are tons online, but they all follow the same general principle of gradually increasingly the intensity in a manageable way each time you work out.

as an example, here are two of my workouts (i think there was maybe a week in between these that i don't have a screenshot of so these increases are a bit high to do in one go) - you can see how every exercise ramps up either in terms of the weight used or the amount of reps i'm doing, even though it's largely the exact same workout.

(don't judge my weights pls anyone who lifts heavy i've only been doing it for a few months 🥺)

i would also try and figure out some semi-long-term goals you want to aim towards! ideally a full body spread (so like, not all of them focused on shoulders or w/e). for instance mine are: squat my own bodyweight within 6 months, bench double what i'm doing now (my benching is soooo weak rn wahh), be able to do a full set of unassisted pull-ups by the end of next year. then you can figure out what to do to work towards those things in small steps. i also have some pole-related goals that tie into my overall strength goals.

heavy caveat that i am by no means an expert in any of this and haven't been doing it for that long, so pls do your research and if possible talk to a professional! ik doing personal training long term is financially unavailable for a lot of people and i count myself very lucky to be able to afford it, but if you can afford to just buy a short bank of sessions (even 3-4 1hr sessions) at your local gym i would highly highly recommend it bc they'll be able to give you so much more tailored help and give you some concrete stuff to work towards.

good luck w it 💪

[mariacallous]

Bank of Japan scraps radical policy, makes first rate hike in 17 years

TOKYO, March 19 (Reuters) - The Bank of Japan (BOJ) ended eight years of negative interest rates and other remnants of its unorthodox policy on Tuesday, making a historic shift away from its focus on reflating growth with decades of massive monetary stimulus.

While the move was Japan's first interest rate hike in 17 years, it still keeps rates stuck around zero as a fragile economic recovery forces the central bank to go slow on further rises in borrowing costs, analysts say.

The shift makes Japan the last central bank to exit negative rates, and ends an era in which policymakers around the world sought to prop up growth through cheap money and unconventional monetary tools.

"We reverted to a normal monetary policy targeting short-term interest rates, as with other central banks," BOJ Governor Kazuo Ueda said at a press conference after the decision.

"If trend inflation heightens a bit more, that may lead to an increase in short-term rates," Ueda said, without elaborating on the likely pace and timing of further rate hikes.

In a widely expected decision, the BOJ ditched a policy put in place since 2016 by former Governor Haruhiko Kuroda that applied a 0.1% charge on some excess reserves financial institutions parked with the central bank.

The BOJ set the overnight call rate as its new policy rate and decided to guide it in a range of 0-0.1% partly by paying 0.1% interest to deposits at the central bank.

"The BOJ today took its first, tentative step towards policy normalisation," said Frederic Neumann, chief Asia economist at HSBC in Hong Kong.

"The elimination of negative interest rates in particular signals the BOJ's confidence that Japan has emerged from the grip of deflation."

The central bank also abandoned yield curve control (YCC), a policy in place since 2016 that capped long-term interest rates around zero, and discontinued purchases of risky assets.

But the BOJ said it will keep buying "broadly the same amount" of government bonds as before and ramp up purchases in case yields rise rapidly, underscoring its focus on preventing any damaging spike in borrowing costs.

In a sign future rate hikes will be moderate, the BOJ also said it expects "accommodative financial conditions to be maintained for the time being."

Japanese shares rose after the decision. The yen fell below 150 per dollar, as investors took the BOJ's dovish guidance as a sign the interest rate differential between Japan and the United States likely will not narrow much.

'A NORMAL COUNTRY'

With inflation exceeding the BOJ's 2% target for well over a year, many market players had projected an end to negative interest rates either in March or April.

Expectations for a shift this week heightened significantly after unions' annual wage talks with major firms delivered the biggest pay hikes in 33 years.

The end of the Kuroda era stimulus now swings the focus for markets, analysts and the wider public to when the BOJ will raise rates further.

Already on Tuesday, commercial banks flagged plans to raise some of their deposit rates for the first time since 2007. Nomura and BNP Paribas both expect the BOJ to hike rates again before the end of the year.

"Essentially we're a normal country," said Bart Wakabayashi, State Street Tokyo Branch Manager.

"How does this impact households locally and their spending power? I think that's going to be the next big discussion and with an eye to that I don't think the BOJ can do anything beyond what they've announced."

Under Kuroda, the BOJ deployed a huge asset-buying programme in 2013, originally aimed at firing up inflation to a 2% target within roughly two years.

The central bank introduced negative rates and YCC in 2016 as tepid inflation forced it to tweak its stimulus programme to a more sustainable one.

As the yen's sharp falls pushed up the cost of imports and heightened public criticism over the demerits of Japan's ultra-low interest rates, however, the BOJ last year tweaked YCC to relax its grip on long-term rates.

There are still risks. A spike in bond yields would boost the cost of funding Japan's huge public debt which, at twice the size of its economy, is the largest among advanced economies.

An end to cheap funds could also jolt global financial markets as Japanese investors, who amassed overseas investments in search of yields, shift money back to their home country.

Even as it rolled back stimulus, the BOJ downgraded its assessment on the economy and warned of consumption weakness.

Ueda said inflation expectations have yet to be anchored at 2%, which means the BOJ can raise rates at a slower pace than other central banks did in recent years.

"If our price forecast clearly overshoots or, even if our median forecast is unchanged, we see a clear increase in upside risk to the price outlook, that will lead to a policy change," Ueda said on the likely threshold for further rate increases.

[classicquid]

How to Find a Direct Lender UK for Short Term Loans

Short term loans UK people in need of money are frequently connected with the UK. However, they can actually save lives for those who find themselves in an emergency and want quick money. If you're short on cash between paychecks, read our guide to common myths about payday loans and how to apply for short term loans direct lenders without a debit card.

How to Be Certain That You Receive a Short Term Loans Direct Lenders

Make sure to give all the necessary personal information and honestly respond to each question if you want to ensure that you can acquire a short term loans direct lenders. Some lenders provide alternatives, such as ACH transfers or prepaid cards, if you have a debit card but it is not qualified for rapid acceptance.

What are the Best Loans that don’t check you’re Credit?

Many loans are available that don't require a credit check. When it comes to acquiring money quickly, these short term loans UK direct lender might be really beneficial. There will always be requirements you must satisfy in order to be approved for a loan with no credit check, but perhaps this post has been helpful in pointing out the finest lending options for you.

The Advantages of Borrowing Money Short Term Loans UK

You won't need to come up with the money for the entire short term loans UK cost if you use classicquid.co.uk. This implies that you can obtain the necessary funds quickly!

What does a Short Term Loan's APR without a credit check look like?

Representative 770% APR

Representative example: if you borrow £550 over 18 months at a flat rate of 180% per annum (fixed) with a representative 770% APR you will make 18 monthly payments of £113.06, repaying £2,035.08 in total. Rates from 45.3% APR to 1721% APR. A short term high cost loan should not be used as a long term solution. We are a broker not a lender. We don’t charge fees. We don’t sell your personal information. We may receive a commission from the lender.

If you don't have a debit card, getting a short term loans UK is no longer simple, but it is still possible. Simply take your time to choose the best lender for your requirements.

If you need money right away, online lenders can be a terrific option. Classic Quid can assist you with a lot of the reasons you could require a short term loans UK. Continue reading to learn more about short-term loans and how they might be of assistance to you in the event of a financial emergency.

Online tools significantly speed up the process. Traditional ways of applying for short term loans online might be cumbersome because you have to wait for an appointment at a certain office or branch, and then you have to wait to get your check in the mail or get the go-ahead to pick up your cash. Many of these processes are automated by online programmers, so there won't be much of a wait until you get your money sent directly into your bank account. You can make your decision and conduct your study simultaneously. And most of the time, if you need money right away, you need it now—not tomorrow or in a few days!

[gsdhlks]

BitPower: Leading the decentralized financial ecosystem and redefining the global digital economy

 In the dynamic world of blockchain technology, BitPower is an innovator in the decentralized finance (DeFi) space. BitPower is built on the principles of transparency, accessibility, and inclusion, and aims to reshape the digital economy through secure and efficient financial interactions around the world. Let’s take a deep dive into BitPower’s core components in the crypto space.

BitPower Loop: The Future of Lending

BitPower Loop is a blockchain lending protocol based on Ethereum EVM. Users can lend or borrow cryptocurrencies at zero risk. By pledging their crypto assets within BitPower Loop, users can make short-term, risk-free trades and loans to earn rewards. This decentralized approach bypasses the barriers of traditional banks, providing instant access to funds without credit checks or lengthy approval processes. BitPower Loop, with its transparent and efficient operations, provides a secure alternative to traditional lenders, enhancing global financial inclusion.

BitPower Savings: Redefining Cryptocurrency Banking

BitPower Savings is a crypto savings protocol running on Binance Smart Chain. It is called "Crypto Bank on the Blockchain" and provides services similar to traditional banks, but with higher decentralization, security and transparency. Users can deposit their crypto assets into smart contracts to earn savings returns and enjoy customized savings plans. BitPower Savings eliminates intermediaries, reduces costs, improves efficiency, and provides users with transparent records and real-time profit calculations, allowing users to easily monitor their savings.

BitPower Lending: Safe and Efficient Lending

BitPower Lending is a decentralized lending protocol that aims to provide users with safe and efficient lending services. It uses smart contracts to achieve peer-to-peer asset lending without third-party trust. Borrowers can pledge their crypto assets to obtain loans, while lenders can earn interest by providing digital assets. BitPower Lending has the characteristics of decentralization, programmability, security and openness, allowing users to easily and confidently participate in decentralized finance.

BitPower DAO: Best Decentralized Governance

BitPower DAO stands for Decentralized Autonomous Organization in the BitPower ecosystem. It is fully managed by smart contracts and operates independently of traditional centralized structures or intermediaries. Through democratic decision-making, token issuance, fund management, and community governance, BitPower DAO fosters a decentralized ecosystem where members actively participate in shaping the future of the ecosystem.

With its innovative protocol and commitment to decentralization, BitPower paves the way for a more inclusive, transparent, and efficient financial landscape. Whether you are a depositor, borrower, or investor, BitPower can provide you with a personalized decentralized solution. #BitPower

Please visit BitPower Site official website:https://www.bitpower.space/

[afjvajfchav]

BitPower: Leading the decentralized financial ecosystem and redefining the global digital economy

In the dynamic world of blockchain technology, BitPower is an innovator in the decentralized finance (DeFi) space. BitPower is built on the principles of transparency, accessibility, and inclusion, and aims to reshape the digital economy through secure and efficient financial interactions around the world. Let’s take a deep dive into BitPower’s core components in the crypto space.

BitPower Loop: The Future of Lending

BitPower Loop is a blockchain lending protocol based on Ethereum EVM. Users can lend or borrow cryptocurrencies at zero risk. By pledging their crypto assets within BitPower Loop, users can make short-term, risk-free trades and loans to earn rewards. This decentralized approach bypasses the barriers of traditional banks, providing instant access to funds without credit checks or lengthy approval processes. BitPower Loop, with its transparent and efficient operations, provides a secure alternative to traditional lenders, enhancing global financial inclusion.

BitPower Savings: Redefining Cryptocurrency Banking

BitPower Savings is a crypto savings protocol running on Binance Smart Chain. It is called "Crypto Bank on the Blockchain" and provides services similar to traditional banks, but with higher decentralization, security and transparency. Users can deposit their crypto assets into smart contracts to earn savings returns and enjoy customized savings plans. BitPower Savings eliminates intermediaries, reduces costs, improves efficiency, and provides users with transparent records and real-time profit calculations, allowing users to easily monitor their savings.

BitPower Lending: Safe and Efficient Lending

BitPower Lending is a decentralized lending protocol that aims to provide users with safe and efficient lending services. It uses smart contracts to achieve peer-to-peer asset lending without third-party trust. Borrowers can pledge their crypto assets to obtain loans, while lenders can earn interest by providing digital assets. BitPower Lending has the characteristics of decentralization, programmability, security and openness, allowing users to easily and confidently participate in decentralized finance.

BitPower DAO: Best Decentralized Governance

BitPower DAO stands for Decentralized Autonomous Organization in the BitPower ecosystem. It is fully managed by smart contracts and operates independently of traditional centralized structures or intermediaries. Through democratic decision-making, token issuance, fund management, and community governance, BitPower DAO fosters a decentralized ecosystem where members actively participate in shaping the future of the ecosystem.

With its innovative protocol and commitment to decentralization, BitPower paves the way for a more inclusive, transparent, and efficient financial landscape. Whether you are a depositor, borrower, or investor, BitPower can provide you with a personalized decentralized solution. #BitPower

Please visit BitPower Site official website:https://www.bitpower.space/

For more information about Bitpower, please contact us on Telegram: https://t.me/Anna79589

[ghfjajbfaj]

BitPower: Leading the decentralized financial ecosystem and redefining the global digital economy

In the dynamic world of blockchain technology, BitPower is an innovator in the decentralized finance (DeFi) space. BitPower is built on the principles of transparency, accessibility, and inclusion, and aims to reshape the digital economy through secure and efficient financial interactions around the world. Let’s take a deep dive into BitPower’s core components in the crypto space.

BitPower Loop: The Future of Lending

BitPower Loop is a blockchain lending protocol based on Ethereum EVM. Users can lend or borrow cryptocurrencies at zero risk. By pledging their crypto assets within BitPower Loop, users can make short-term, risk-free trades and loans to earn rewards. This decentralized approach bypasses the barriers of traditional banks, providing instant access to funds without credit checks or lengthy approval processes. BitPower Loop, with its transparent and efficient operations, provides a secure alternative to traditional lenders, enhancing global financial inclusion.

BitPower Savings: Redefining Cryptocurrency Banking

BitPower Savings is a crypto savings protocol running on Binance Smart Chain. It is called "Crypto Bank on the Blockchain" and provides services similar to traditional banks, but with higher decentralization, security and transparency. Users can deposit their crypto assets into smart contracts to earn savings returns and enjoy customized savings plans. BitPower Savings eliminates intermediaries, reduces costs, improves efficiency, and provides users with transparent records and real-time profit calculations, allowing users to easily monitor their savings.

BitPower Lending: Safe and Efficient Lending

BitPower Lending is a decentralized lending protocol that aims to provide users with safe and efficient lending services. It uses smart contracts to achieve peer-to-peer asset lending without third-party trust. Borrowers can pledge their crypto assets to obtain loans, while lenders can earn interest by providing digital assets. BitPower Lending has the characteristics of decentralization, programmability, security and openness, allowing users to easily and confidently participate in decentralized finance.

BitPower DAO: Best Decentralized Governance

BitPower DAO stands for Decentralized Autonomous Organization in the BitPower ecosystem. It is fully managed by smart contracts and operates independently of traditional centralized structures or intermediaries. Through democratic decision-making, token issuance, fund management, and community governance, BitPower DAO fosters a decentralized ecosystem where members actively participate in shaping the future of the ecosystem.

With its innovative protocol and commitment to decentralization, BitPower paves the way for a more inclusive, transparent, and efficient financial landscape. Whether you are a depositor, borrower, or investor, BitPower can provide you with a personalized decentralized solution. #BitPower

Please visit BitPower Site official website:https://www.bitpower.space/

For more information about Bitpower, please contact us on Telegram: https://t.me/Anna79589

[ssbf-mba-banking-finance]

The Role of MBA Graduates in India's Banking Future

Indian banking is at an evolving stage. Our banking system is also one of the most technologically advanced in the world. Therefore, it is no surprise that the best MBA in Finance colleges in Pune will update their syllabus. We need to produce excellent finance graduates who will navigate the new innovations in finance. 

You can also be one of these illustrious finance professionals who chart a new way for the industry. This is true, especially in our country, which is the home of UPI and digital payments. So, do you want to know more about the role of MBA graduates in our banking future? Read ahead to find out!

1. The Evolving Indian Banking Landscape

The Indian banking system is quite advanced and modern. We have progressed in many avenues, like digital banking, cryptocurrencies, and cybersecurity. We also have made new developments in financial policy and regulations. Therefore, enthusiastic young professionals are the need of the hour. You need to train yourself accordingly. Only then can you assume finance leadership. 

2. The Skill Set of the Future Banker

Future bankers must have core banking and finance knowledge. Your fundamental banking skills are of utmost importance. They help you adapt to any financial situation. You should also develop your financial analysis skills. Analytics are a core part of any finance programme. These skills sharpen your critical thinking and position you in leadership roles. You should also adopt a customer-centric approach as a public banker. 

3. MBA Programmes and Their Relevance

MBA in Banking in India has a curriculum that aligns with industry needs. You will be trained by expert faculty who have experienced the ups and downs of the industry. The institutes will also offer specialisations in banking and finance. You will also be expected to intern in banks, private financial institutions, and government bodies. It will be a holistic learning experience for you. 

4. Career Paths for MBA Graduates in Banking

Career paths after finance are not as rigid as you think. Many think that finance only gets you boring desk jobs where you crunch numbers all day. Thankfully, this is not the reality. Finance professionals take up interesting job roles that require problem-solving abilities. You can take up traditional banking roles related to accounting, sales, and insurance management. There are also amazing roles in investment banking, corporate affairs, and fintech innovation. The last one is possible through an MBA in Fintech. You can do short-term specialised courses to understand the latest technologies in finance. 

5. The Impact of MBA Graduates on the Banking Industry

MBA graduates are young, budding professionals with new ideas. The older generation values your fresh perspective on the world. They will like your vigour while performing your duties. Therefore, you are likely to make a long-lasting impact on the world with your technological prowess. You will also understand customer needs better of the younger generation. 

MBA graduates are the future of Indian banking. They will lead the industry into a new era of innovation and growth and play a pivotal role in shaping the banking arena. Young professionals can drive positive change and contribute to the development of the Indian economy.

[head-post]

EU, Spain provide €15.5M for Palestinians

The EU and Spain on Tuesday allocated 15.5 million euros for social benefits under the National Cash Transfer Programme. The funds will go to help 27,561 at-risk families in the West Bank, offering them crucial financial support in difficult times, EEAS reports.

The EU supports the Palestinian Authority (PA) Ministry of Social Development in providing basic social benefits to the most vulnerable families in the West Bank and Gaza Strip through the cash transfer programme. Given the current Palestinian Authority’s financial crisis, the EU and Spain have taken measures to fully cover two overdue payments to eligible beneficiaries in the West Bank.

In Gaza, where the humanitarian crisis is worsening, the EU, in partnership with the Ministry of Social Development and various international organisations, is delivering aid through multiple humanitarian channels. This integrated approach aims to reach an increasing number of vulnerable families and meet their basic needs as the war there continues.

This social benefit payment is part of the short-term emergency financial assistance to Palestine aimed at meeting the most urgent needs announced by the EU. It will target 27,561 extremely poor families, people with severe disabilities and elderly people over 65 without a pension in the West Bank. European funding is channelled and verified through the PEGASE mechanism to ensure their eligibility. Various independent and external checks are carried out before and after the allocation of European funds. The EU is allocating €13.5 million and Spain €2 million. EU Deputy Representative Maria Velasco said:

Social protection is a priority and a basic human right that must be upheld by governments around the world. In Palestine, the European Development Partners have played an important role in helping the Palestinian Authority build its own social protection system, which includes a cash transfer programme to support the poorest and most vulnerable. This programme is currently facing unprecedented challenges due to the ongoing financial crisis in the Palestinian Authority. This contribution by the EU and Spain confirms Europe’s continued commitment to support the most vulnerable in Palestine. This goes hand in hand with unprecedented European humanitarian support to the people of Gaza, where hundreds of thousands of families are struggling to meet their basic needs.

Read more HERE

[accapitalmarket]

Blood bath continues on Wall Street, Oil down

US stocks dropped sharply on Thursday as recent high-flying tech mega-caps took another tumble and the latest second-quarter corporate earnings data proved mixed.

By the close on Wall Street, the blue-chip Dow Jones Industrial Average had dropped 1.3% to 40,665. snapping a series of consecutive closing record highs. The volatility comes as the VIX, the so-called fear index, jumped 10% to its highest level since April.

Meanwhile, the broader S&P 500 fell 0.8% to 5,544, and the tech-laden Nasdaq Composite shed a more modest 0.7% at 17,871 having posted its biggest one-day drop since December 2022 in the previous session.

NAS100 H4

The chip sector rallied having recorded its largest daily percentage plunge on Wednesday since the pandemic-related panic of March 2020 following a report saying the US is considering tighter curbs on tech exports to China. AI chip darling Nvidia led the way, rebounding 2.8%, while Broadcom rallied 2.9%.

SPX500 H4 But among the big tech fallers, Apple shed 2.0%, Google owner Alphabet fell 1.9%, and Amazon lost 2.2%, all adding to recent losses and pressuring the broader market.

Meanwhile, Netflix fell 0.7% in the session but added 0.3% in after-hours trading as the streaming giant reported better-than-expected Q2 results, although Q3 revenue guidance fell short of estimates.

In second-quarter earnings released during the session, housebuilder DR Horton jumped 10.0% after the company beat estimates for quarterly profit and approved a new $4 billion share buyback programme.

But Domino’s Pizza slumped 13.6% after the pizza chain missed estimates for quarterly same-store sales in the US.

And United Airlines fell 1.2% as its Q3 guidance fell short of estimates after unveiling plans to cut capacity despite strong summer travel demand.

Away from earnings, Warner Bros Discovery rose 2.4% following a report that the company has discussed a plan to split its digital streaming and studio businesses from its legacy TV networks.

However, Beyond Meat dropped 10.3% following a report the plant-based meat producer has engaged with bondholders to begin discussions about restructuring its balance sheet.

On the economic front, US initial jobless claims rose by 20,000 to a seasonally adjusted 243,000 for the week ended July 13, above the 229,000 claims expected. Initial claims were revised lower in the prior week, but the unemployment rate rose to a 2-1/2-year high of 4.1% in June.

This suggests the US labor market is cooling which increases the chances that the Federal Reserve will sanction a first interest rate cut at its September meeting.

The European Central Bank (ECB), as expected, stood pat on rates after its latest policy meeting on Thursday, having made its first cut back in June. But the ECB said its September meeting was "wide open" as it downgraded its view of the euro zone's economic prospects and predicted that inflation will keep on falling. Oil prices fell back after gains in the previous session reflecting mixed demand signals given a slowdown in the US economy and rate cut expectations.

UKOIL H1

UK Brent crude fell 0.5% to $81.99 a barrel, while US WTI) crude shed 0.6% to $82.39 a barrel.

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[mariacallous]

For almost half a century, in other words within the limits of political memory, Britain has been a country where the priority of most governments has been to keep a few key economic numbers low. Income tax, interest rates, inflation and most people’s wages: all were deliberately suppressed by Downing Street and its collaborators in business and the Bank of England. By doing so a space was created – in theory at least – for certain interest groups to flourish: employers, entrepreneurs, shareholders, top earners, homeowners and consumers. Together, they were supposed to boost our previously sluggish rate of economic growth.

It hasn’t quite worked out like that. Britain is on the brink of recession yet again. Interest rates, taxes and inflation are all high. Only average wages are still low. And even that dubious achievement of British government and capitalism since the 1980s now feels fragile, with strikes solidifying and spreading across both private and state sectors, determinedly driven by workers who have finally had enough of years of falling pay. As Mick Lynch of the RMT union put it with characteristic pithiness on the Today programme last week: “The price of labour isn’t at the right price in this country.”

What might life be like in Britain if most people’s wages were more generous? One answer is more like life in many other rich countries. According to the United Nations, the share of our gross domestic product that goes to employees is lower than in France, Germany, Italy, Australia, South Korea, Canada, the US and half a dozen other, often more successful, capitalist nations. This “labour share” has fallen in Britain in most years since the late 1970s, when the great counterattack began against unions and decent pay for the many. The absence of this broad-brush but telling indicator from everyday debate in Britain is a sign of how much our politics is shaped by essentially rightwing assumptions.

But now the national conversation about pay seems to be changing. Lynch says the strikes – which despite months of disruption still have substantial public support – are ultimately about “the rebalancing of our society”. That’s a very ambitious goal for a union movement much smaller than in its 1970s heyday; which receives at best qualified support from Labour; and which faces a cornered Tory government that sees a successful confrontation with the unions as one of the few ways it might stay in power. Yet the cost of living crisis, and crippling staff shortages from the NHS to the railways, mean that the old Westminster and media orthodoxy that holding down pay is Britain’s only realistic option is losing its force.

Were salaries generally higher, it would almost certainly be easier to recruit and retain staff. Some of the large number of adults who have chosen to leave the national workforce in recent years would probably return. Workers might be more motivated and efficient, lessening Britain’s productivity crisis. Some employees would be able to work fewer hours, and families might benefit as a result.

With higher disposable incomes, people would probably spend more, boosting the British economy. Meanwhile the state would need to spend less on benefits that effectively subsidise low wages. According to the Joseph Rowntree Foundation, two thirds of working-age adults in poverty are in a household where someone works. Higher wages could make having a job a real – rather than often rhetorical – route out of poverty.

Realigning the economy with the needs of the majority would also have costs. Taxes or state borrowing would have to rise to fund better public sector wages – at least in the short term, until the in-work benefits bill fell, and rising incomes increased growth. Goods and services might also become more expensive. We have got used to a world where almost anything can be delivered cheaply to our door – and almost anything can be done to us at work. In a higher-wage world, we might lose some of our power as consumers, while gaining power as workers. At first, we might feel the loss of familiar pleasures more than we use this new agency.

But inflation has already begun to end the golden age of consumption for most of us, anyway. And higher wages may also bring more welcome disruptions. The gap between ordinary and elite earners, which has opened even further in Britain than most wealthy countries, might narrow – especially if taxes are raised to increase public sector pay. Such a narrowing could have psychological as well as material consequences. The extreme separateness and sense of entitlement of the modern rich, and the queasy mix of fascination and loathing rich people arouse in us, evident in hit TV shows such as Succession and The White Lotus, might diminish a little if economic security was not so unfairly distributed.

Now, some or all of these potential shifts may sound far-fetched. But an economy where most people’s wages grew rather than shrank has existed before in Britain. For much of the first three decades of the 20th century, and again from the late 1940s until the mid-1970s, the “labour share” increased. In fact, its trajectory over the past 150 years forms a wave pattern, with slumps regularly followed by recoveries. Another upswing is overdue.

It may be harder to achieve this time. During previous pay upswings, the economy and trade union memberships were often growing strongly, unlike now. Today’s workers will have to be canny and relentless to get more, when the rewards provided by capitalism may be shrinking overall for some time.

But the survival, instead, of the low-wage status quo feels increasingly uncertain. In 1962, one of the most influential modern economists wrote that “in a market society” the way that pay is distributed “is unlikely to be tolerated unless it is also regarded as yielding distributive justice”. Without a broad public acceptance of such economic arrangements, he went on, “no society can be stable”.

The economist was Milton Friedman, one of the gurus of the global right. With Britain in such a state now that even he and Mick Lynch might agree on a few things, were Friedman still alive, the end of our low-wage era may be coming.

[influencermagazineuk]

French Stock Market Rallies Post-Election

The New Popular Front (NFP), a quickly formed coalition of left-wing parties, won the most seats but fell short of a parliamentary majority. This outcome will necessitate extensive negotiations to determine the new prime minister and to achieve any significant progress in governing the country. This creates various complex scenarios to consider. For financial markets, it also means that the likelihood of a major political shift—and the accompanying major spending decisions—is delayed. This might explain the subdued market reaction. Philippe Ledent, a senior economist at ING, an investment bank, commented that the result “plunges France further into the unknown.” Ledent outlines two potential scenarios: Minority Government French political parties are not accustomed to making concessions to form coalitions. The NFP’s leading figure, Jean-Luc Mélenchon, demanded the full implementation of their programme. “If political parties maintain such positions, a long period of instability will ensue,” said Ledent. “Without an absolute majority, and given the radical nature of its socioeconomic programme, the left-wing bloc won’t be able to pass a single law unless it uses Article 49.3 to force legislation, which it previously criticized. A motion of censure would likely be tabled quickly, bringing down the government.” This situation would also apply if Macron tried to install a prime minister from his own bloc or from the right. Instability would continue until at least June 2025, as the president cannot call for new elections before then. Learning to Cooperate “Excluding the 80 MPs from the far left and the 145 from the far right, there are over 350 MPs available to form a broad coalition to reform France, considering diverse opinions. In other European countries, including Germany, this configuration would be natural and would result in a government with a clear majority. “Certainly, some doors are beginning to open for such a coalition. Of course, the President’s camp is in favour.” “French political parties are stuck in a strategic game where the only solution is for the parties to work together. This cooperation would help restore calm and political stability. However, because any concession would be seen as a betrayal of their electorate, no party seems willing to enter discussions in the short term.” Read the full article

[edugoabroad]

Due to its rich cultural past, world-famous institutions, and dynamic lifestyle, many overseas students dream of studying in France. However, their visa applications need to be clarified.

Suitable visa applications require careful planning and knowledge of the documentation. This comprehensive guide explores the France visa checklist for Indian students.

This will prepare and calm you as you take this crucial academic step. We provide admission papers, support you in showing evidence of money, and insurance information for your student visa.

Our comprehensive guide will make it easier to go to college for the first time, continue your education after high school, or take a specific course so you can focus on the exciting voyage ahead. We will assist you in mastering everything to fulfil your ambition of studying in France.

Different French Student Visas

Here, we will discuss the different France Study Visa requirements for Indian students:

1) Short Stay Visa

Schengen visas, often short-stay visas, allow students to visit France for less than 90 days for academic, language, or internship programmes. A Schengen Area visa allows free movement between 26 European nations, including France. Students who select short-term schooling can get this visa.

2) Long Stay visa

Long-term visas are required for research projects, extended courses, and bachelor's and master's degree programmes in France. This visa helps students live in France while studying, and they need it to maximise their experience.

France VFS Checklist

The new VFS procedure will assist you in getting a student visa swiftly and relieve you from the conventional procedure where you were required to submit numerous documents and their proofs.

So, after exploring about the different types of student visas, you can get to study in France, let us discuss the France student visa requirements. We will now jump to a detailed checklist to ensure the complete process before applying for the France VFS.

1) Valid passport and travel documents

Below are the requirements of a valid passport:

There must be at least two blank pages in your passport.

It must be less than ten years old.

Make sure it works for at least six months after the trip.

If you have any old papers or old passports, remember to include them.

The travel documents must have at least 3 months of validity after the projected stay.

2) Passport photos

According to the France visa checklist from VFS, you should bring two current passport-size photos with a white background. These should be the right size and meet the requirements given. You can visit http://www.vfs-france.co.in/photospec.html for photo specifications.

You need to carry a passport photocopy (first and last page). You also require to show the Copy of the USA, the UK and the Schengen Visas issued for the previous five years with immigration seals.

3) OFII attestation

A duly filled and signed OFII attestation is required to be submitted for more than six months of studies.

4) Tickets for a confirmed flight

Show proof that you have confirmed reservations for flights to and from France.

5) Sponsor proof

Show cover letter, ID proof, last three months bank statements, last three years ITR and last three month payslips of your sponsors.

The cover letter must mention the current social situation and financial components. You must even have to include proof of professional situation of your sponsors.

6) Accommodation proof

Include proof of where you will stay in France, like a rental deal or confirmation from your university that you have a place to stay. You must show accommodation details of at least the first 3 months.

For a longer stay visa, the campus France letter and its details with the precise registration number will be needed.

If accommodation is offered without any charges by a person, that person’s details must be submitted. These details will cover the copy of that person’s ID card, property deed information or lease agreement and last income tax paper or if applicable the copy of the family book.

7) Visa fee payment proof

Payment and proof of show money for France student visa are required before applying. You must even submit admission letter from your school comprising the duration and the payable fees. You must show a payment receipt of at least 50% or the complete amount of the applicable tuition fees.

8) Travel medical insurance

You must at least have travel insurance for the first three months. It is better to have full-coverage medical travel insurance across France. This protects against unforeseen medical expenditures.

9) Academic transcripts

Send in all your essential academic transcripts, such as those from high school, college, and university. These documents must include original + copy of the latest degree / diploma.

These papers will show what you have learned and how qualified you are. You must also submit the admission letter from your school with all the details.

10) French scholarship

For French Government scholarship holders, they need to submit the required attestation certifying the total amount and scholarship duration.

11) Covering letter details and curriculum vitae

You need to showcase a covering letter mentioning the details of the purpose of the trip, duration, sponsors, and course motivation. You also need to submit a Curriculum Vitae (CV).

12) Proof of sufficient cash for your France stay

This is a must to ensure you can pay your expenses while learning in France. This includes bank statements, certificates of deposit, or any other financial papers that show you have enough money for France student visa financial requirements.

At least 1000€ per month is essential or 300€ per month in a scenario where there is a provision of free accommodation.

13) French institute registration certificate with course duration

Get a registration certificate from your French institute that says how long your study or programme will last.

14) Language proficiency scores IELTS/TOEFL/PTE

Language exam results may be required depending on the language of instruction. You can submit IELTS, TOEFL, or PTE scores with your application. France student visas require originals and copies of all documentation.

Use the best approach to make the process of getting a student visa for France go as quickly and efficiently as possible. Meet the strict requirements for an Indian student visa to France by having complete control and sight over every aspect of your application.

A long-stay student visa for studying in France requires strict criteria. You can easily download the France visa application form online. You can even explore the France visa application instructions on our website.

Key Takeaways

So, we discussed about the documents required for a France student visa. Read this blog thoroughly to find out which documents are needed for a student visa so there are no last-minute shocks. Accordingly, gather your passport, financial documents, transcripts, and evidence of residence.

Going to school in France is a dream for many Indian youths. You can feel confident about starting this fantastic educational journey if you know the specific study visa standards for Indian students and take steps to meet them. Plan, get help with money if needed, be open to new experiences, and use easy approaches to make applying for a visa easy.

So, if you plan well and follow our document checklist, applying for a France Student Visa will be a breeze. If you need all-inclusive assistance book a free consultation appointment with us at Edugo Abroad, a French Study Visa Expert.

[eminentoverseas]

Industries With The Highest Growth Rates For Migrants To Canada

The economy of Canada is renowned for being strong and steady. Following the pandemic, the nation saw a robust recovery in several industries, with many of them experiencing significant growth.

The high immigration goals of Canada are one of the main drivers of the nation's sustained economic prosperity. By the end of 2025, Canada will welcome 500,000 immigrants annually, according to the Immigration Levels Plan 2023–2025.

Nearly 25% of the more than 39,000,000 individuals who call Canada home identify as immigrants. In Canada, newcomers frequently arrive prepared to fill labor shortages brought on either by a significant number of retirements or a dearth of suitable applicants.

Healthcare

Compared to past generations, Canadians are living longer and needing more medical care. The provinces of Canada are putting a lot of effort into luring foreign healthcare personnel because of the rising need. Currently, 39% of dentists, 23% of registered nurses, and over 35% of physicians practice in Canada.

The healthcare sector has the biggest overall number of open opportunities, at 143,800 as of February 2023, according to the most recent statistics on job openings from Statistics Canada. The pandemic had a particularly negative impact on the nursing industry, forcing many nurses to take extended leaves of absence or abandon the field entirely.

In order to make it simpler for healthcare professionals to become permanent residents, Immigration, Refugees, and Citizenship Canada (IRCC) has begun lifting some of the restrictions for doctors who were previously regarded as self-employed. Typically, self-employed professions are ineligible for Express Entry.

Agriculture

Over 243,000 people are employed in Canada's agriculture industry, and there are currently 14,000 or more open positions.

According to recent research by the Royal Bank of Canada, 40% of Canadian farm proprietors will retire by 2033. According to the report, Canada needs to welcome 30,000 permanent immigrants over the course of the next ten years in order to start their own farms and greenhouses or take over those that already exist in order to address a short-term skills shortage.

IRCC just stated that it is extending the Agri-Food Pilot Programme and lifting occupational caps in order to fill some of these roles. Jobs that qualify include:

Wholesale Butchers

Commercial Butchers

Agricultural Managers And Skilled Livestock Workers

Work Force In The Food Industry

Farm Assesses In General

Workers In The Harvest

Tech

The federal budget for 2023 included a $20 billion investment to promote the construction of significant clean electricity and clean growth infrastructure projects. The tech industry will probably see an increase in demand as a result of this investment.

It also points out that many jobs in the clean technology manufacturing sector do not require a university degree and that the average worker salary in this industry was $90,252 in 2021, which was significantly higher than the average salary for all jobs in Canada's economy, which was $69,311.

The expansion of the AI industry contributes to Canada's need for IT personnel. According to Invest in Canada, a government website created to entice investment into Canada's IT sector, there are 1,032 AI and machine learning startups in Canada. The Global AI Index is another.

For more information, please connect with us at 8920523087/9540566315 or email us at eminent@eoec.in