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Elon Musk and Jack Dorsey to talk on cryptocurrency on the B-Phrase convention

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A still image from The B Word showing Elon Musk.

Source: The B-Word

Ethereum’s price rose Wednesday afternoon after Elon Musk, CEO of Tesla and SpaceX, said he owned the cryptocurrency at the B-Word conference, an event hosted by the Crypto Council for Innovation.

Ethereum, which was already recovering that day, peaked after Musk’s mention. It was last up more than 12% and was approaching the daily highs.

Musk also reiterated his support for cryptocurrency in general, despite potential environmental risks, saying, “One thing to watch out for with crypto, especially Bitcoin, is the use of proof of work, the use of energy that is a bit too much and not necessarily good for the environment. “

With bitcoin mining increasingly powered by renewable energy, Tesla will likely accept bitcoin for transactions again, Musk said.

Musk also said that at this point the only publicly traded stock he owns is that of Tesla and that he personally owns Bitcoin, Dogecoin and Ethereum. “The only significant thing I own outside of Tesla is SpaceX,” said he, who helped found both companies.

He also said he is holding his bitcoins for the long term.

“If the Bitcoin price goes down, I’ll lose money. I can pump, but I don’t tip, ”said Musk. “I definitely don’t believe in getting the price up and selling or anything like that. I want to see Bitcoin successful.”

Musk also confirmed that both Tesla and SpaceX own Bitcoin and currently no other cryptocurrency.

The B-Word Conference was established to “demystify”, “de-stigmatize” and “correct the mainstream narrative” of the cryptocurrency Bitcoin and to promote its institutional acceptance and use.

Musk spoke on a podium with Jack Dorsey, CEO of the payment company Square and Musk’s favorite social media platform Twitter, as well as Ark Invest founder and CEO Cathie Wood, who answered questions from moderator and Square Crypto head Steve Lee.

Robin Williams’ son says his “unbelievable spirit lives” in tribute

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The 38-year-old added that his father had difficulty concentrating and was “very uncomfortable”. He continued, “There were issues with how he felt and also from a neurological point of view, he wasn’t feeling well.”

The actor’s son also revealed that the drugs Robin took were “really tough on the mind and body”. He said what he felt about his father was “beyond empathy” and the son was “frustrated”.

Zak said, “It can be very isolating even when you are with family and loved ones.” Only two years passed between Robin’s misdiagnosis and his death. Zak said of the time, “It felt a lot longer than it actually was because it was a time of intense search and frustration for him.”

Following his father’s death, Zak said he was diagnosed with post-traumatic stress disorder and turned to alcohol to deal with it. However, he later received help through a 12-step program to recover from addictions and group therapy, he said. Zak is now CEO of Prepare Your Mind, a wellness and anxiety relief product that he worked on after his father passed away. He is also a mental health attorney.

Native officers within the US are starting to reintroduce masks guidelines because the Delta variant prevails

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People wearing face masks walk on Hollywood Boulevard during the coronavirus disease (COVID-19) outbreak in Los Angeles, California, the United States, on March 29, 2021.

Mario Anzuoni | Reuters

From Los Angeles to Massachusetts, local officials across the country are urging Americans to wear masks again as the Delta variant rips across the US

Several California and Nevada counties are now advising all residents to wear masks in public indoor spaces, regardless of whether they are vaccinated or not. Local leaders in at least three other states have reintroduced mask mandates, issued face-covering recommendations, or threatened the return of strict public health limits for all residents – despite federal health guidelines that in most cases, vaccinated individuals do not use these protocols must follow the settings.

“A surge in the number of cases was not unexpected as the community began to reopen fully,” Jennifer Sizemore, spokeswoman for the southern Nevada health district, told CNBC in an email. Clark County, home of Las Vegas, tightened its mask recommendation last week after Covid-19 cases and deaths rose 50% in the previous week. A total of 4,599 new infections and 33 coronavirus-related deaths were reported last week, according to data from the Centers for Disease Control and Prevention.

Covid infections are rising again in the US after months of falling cases, new cases have risen 55% since last week to an average of 37,000 new cases per day in the past seven days, according to a CNBC analysis of data compiled by Johns Hopkins University .

The CDC relaxed its Covid guidelines on masks for fully vaccinated individuals on May 13, stating that they do not need to use them or practice social distancing in most environments. CDC director Dr. Rochelle Walensky told lawmakers at a Senate hearing Tuesday that the agency was actively reviewing its mask and other public health guidelines as the virus and pandemic evolve, especially as scientists learn more about the Delta variant and how it is doing Keep vaccines against it.

“A lot has changed since May 13,” said Walensky. “We now have a variant in circulation in this country that was 3% (of new cases) at the time and is now 83% and much more transferable.”

The Delta variant is spreading across the country, especially in areas with low vaccination rates, she said. Nearly two-thirds of counties in the US have vaccinated less than 40% of their residents, “which is what enables the emergence and rapid spread of the highly transmissible Delta variant,” leading to an increase in hospital admissions and deaths, she said.

This is gradually becoming apparent in Nevada, which, according to CDC data, has only fully vaccinated 43.5% of its population. Clark County recorded 641 new Covid hospital admissions last week, 23% more admissions than the previous seven days. Despite the resurgent outbreak in the Las Vegas area, Sizemore said the county’s vaccination rate has remained at just under 42% for the past two weeks.

“However, the community’s vaccination rate has slowed and unvaccinated people are not taking recommended precautions, including wearing masks and continuing to practice social distancing,” Sizemore said.

Nevada isn’t the only state that is stepping up its mask guidelines. On Friday, seven counties in California’s Bay Area recommended the use of masks indoors for a full mandate. The California city of Berkeley also called for the continued use of masks.

Further south, Los Angeles County restored its indoor public mask mandate on Saturday. The county initially lifted the mandate on Thursday when the state formally withdrew a number of executive measures to contain the spread of Covid.

White House senior medical advisor Dr. Anthony Fauci said Los Angeles County’s new mask mandate could serve as a prototype for other regions with high rates of infection. He said he expected schools and businesses to continue enforcing their own mask policies to protect against the Delta variant.

“If you want to be even more secure despite being vaccinated, you should wear a mask indoors, especially in crowded places,” Fauci said in an interview with CNBC’s Closing Bell. On Wednesday.

In Massachusetts, Provincetown officials advised everyone on Monday to resume wearing masks indoors after the July 4 celebrations resulted in an outbreak of new cases.

In Orleans Parish, Louisiana – where the CDC reported 560 new coronavirus cases last week – New Orleans Mayor LaToya Cantrell authorized a consultation on indoor masks on Wednesday to help curb the spread of the Delta variant. And New Jersey Governor Phil Murphy told CNBC’s Squawk Box on Tuesday that he wanted to avoid reinstating a mask mandate and instead press for residents to get vaccinated.

“Right now, I hope we don’t have to,” Murphy said. “If we have to, we will.”

How to decide on the suitable wooden glaze

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Image for the article titled How to Choose the Right Wood Glaze

Photo: Anna Efetova (Shutterstock)

You may be thinking of Replace lamps or beautify your entrance if you are planning on home improvement, but another way to update your patio, railings, and floors is to add a new wood glaze. Choosing the right one is everything, however, because too dark can make a room appear smaller and too light may not suit your decor. You should consider this when choosing the right wood glaze.

Different types of stains react differently to wood

Before you choose the color and type of stain, you should assess how the stain will react to your type of wood. Some stains highlight natural elements of the wood while others create a more even tone. For example, on an aqueous basis Stains bring out the color of the wood grain while Oil-based Stains penetrate deeper into the wood and give it a deeper color. Woods like pine are prone to staining and tend to cope better with it Gel stainsthat contribute to a more even coating.

The right stain can also depend on the location – for example, a wood stain for terraces must be waterproof to avoid warping, cracking or splintering. Outdoor stains usually come in acrylic or oil based, and both styles come in different colors and sit on the wood in different ways. Before making a decision, be sure to review the type of wood you have and your options for different types of stains.

Look at your stain color under different types of lighting

Spots change the look in different lighting conditions. If you see an example in the store that you like, it’s a good idea to apply a test stain in your home to see how it reacts to the lighting in your house, since incandescent bulbs (regular household lightbulbs) tend to be a warmer one Hue than the fluorescent tubes used in shops. Also, think about where the sun is shining on the wood you are staining, as natural light can also change the look of your wood. Test a small area and watch for a few days if you can.

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How to choose your wood glaze color

Your finishing color will also depend on the layers of stain applied, as one layer of stain is more translucent than two or three. When you strive for something more modern, lighter is best – for example, pine wood with a translucent stain or limiting the selected stain to one layer. You could do it with a “stained oak“Color for a neutral tone, or if you want a contrast in a light room, you can choose a deeper penetrating darker spot, like”Jacobean. “For reddish tones and medium tones, golden oak and golden pecan are good choices. As long as you think about your decor and how the stain color goes with it, you’ll be fine. Just test them out first to decide what works best.

How one can cease smiling awkwardly in photos

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Image for article titled How to Stop Smiling Awkwardly in Pictures

Photo: pathdoc (Shutterstock)

I am told that I have a great smile when there are no cameras around, but as soon as someone points a lens in my direction, I become a robot who cannot bring up a real grin. I look like I’m being held hostage and being forced to send a false note of consolation home with a ransom note. It’s that “that’s okay” meme embodied in a man’s faint smile, but it doesn’t have to be that way for me (or you).

If you’re like me and look like a clumsy middle school kid on photo day, don’t despair: you can work on having a more natural smile in just a few simple steps.

How to Perfect Your Smile for the Camera

It may seem unnecessary to exercise your face to improve your smile, but there is forty-two muscles on the facewhich gives it one of the most diverse muscle groups in the human body. Some people give the dubious beauty advice that the face can be trained for a variety of purposes, including reversing the aging process (though it little rigorous scientific evidence to back this up).

However, there is a way to train your face to smile more naturally. The most common method is to smile as broadly as possible every ten seconds and then curl your lips. The idea is to give you more control over your facial muscles so that you know what you are doing when the camera is pointed at you.

One way to do this is imparted by Ozarko dentistry:

You want to smile as much as possible with open lips, hold the pose for at least 15 seconds, and repeat 10 times. You will know that you smile broad enough when you feel a slight strain in your cheeks. If you don’t feel anything, try smiling a little wider. If you continue this exercise for several days, you will quickly see how big you can smile.

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Another one advocated by Ozarko Dentistry is called “the rabbit,” but you don’t necessarily have to call it that in public. As always, do something like this in front of a mirror:

Start by smiling as broadly as you can while keeping your mouth closed. It can be helpful to imagine that your smile extends from ear to ear. While smiling, try wiggling your nose until you feel the muscles in your cheek tighten. Hold the pose for about five seconds and repeat 10 times.

Although it doesn’t occupy a huge place in mainstream science, a 2014 article was published in the Journal of Clinical and Diagnostic Research has touted the benefits of facial exercises for improving smiles. If anything, get used to having more control when actually being asked to smile instead of trying to bring an authentic grin to life.

How to make yourself smile

The trick with smiling, as anyone with real, human emotions can attest, is to think of something that makes you happy. However, sometimes this doesn’t work because conjuring up pictures of your beloved dog can still make an idiot smile (especially if you are me).

The art of modern dentistry recommends a trick that photographers often use:

One trick is to make an unnaturally grumpy face first. Many photographers use this trick on their clients to get a natural smile. When telling their clients to put on a grumpy / serious face and keep it up, clients can’t resist going back to a natural smile at some point.

There are more psychological tricks that you can try. For starters, you can imagine someone you like or who will make you laugh behind the camera. If I imagined Danny DeVito or someone else amusing me behind the camera, my smile probably wouldn’t be that embarrassing. These psychological components, combined with learning to control the movements of your face, can help you smile a little better on command.

Keith Raniere has to pay $ 3.four million to NXIVM victims

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Keith Raniere continues to face the ramifications for his role in the NXIVM scandal.

On Tuesday, July 20, a federal judge ruled that 21 victims should receive a total of $ 3.46 million in compensation from the founder of the sex trafficking cult.

In court documents that E! News, the Judge also ordered Raniere to return the “securities” he still controlled or had access to once he had exhausted all of his appeals.

According to CNN, Raniere appeared at the reparation hearing through a video feed of an Arizona federal facility. He told the court that he “never handled the collateral” and did not know who the victims were. As he told the judge, “I don’t know what you’re asking.”

Raniere was accused of founding a secret all-female group called DOS within the self-help company NXIVM. Back in June 2019, a federal jury in Brooklyn found Raniere guilty of all charges, including extortion, extortion conspiracy, wire fraud conspiracy, forced labor conspiracy, sex trafficking, sex trafficking conspiracy, and attempted sex trafficking.

Train would not burn as many further energy as you suppose

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A woman looks at a fitness tracker on her wrist

Photo: Nestor Rizhniak (Shutterstock)

Exercise offers a number of benefits, including helping to prevent or reduce the effects of chronic health conditions such as anxiety, depression, heart disease, and high blood pressure. It is an integral part of good health in many ways.

However, as scientists have found over the past few years, what we do doesn’t result in long-term, significant increases in the number of calories we burn in a day.

“Your lifestyle doesn’t significantly affect how many calories you burn, at least not in a simple one-on-one way,” said, ” Hermann Pontzer, an evolutionary anthropologist at Duke University and author of the book Burn: New research blows the lid off how we can really burn calories, lose weight, and stay healthy.

Instead, our bodies are adapted to burn a relatively fixed amount of energy each day – an amount that doesn’t vary significantly between those of the same weight who are sedentary and those who are active.

Daily calorie consumption does not vary much

When you start a new exercise program, you are likely to burn extra calories in the short term, but within a few months your body will adjust so your total energy expenditure remains within a relatively tight range.

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“The body adapts to these long-term changes in the way you use calories,” said Samuel Urlacher, an evolutionary anthropologist at Baylor University who works with Pontzer. “If you exercise regularly, you are not consuming as many calories as these predictive equations say.”

This concept, called limited daily energy consumption, is relatively new to fitness and nutrition, and was compared by comparing the energy needs of people who live traditional hunter-gatherer lifestyles with high levels of physical activity to the energy needs of people with a sedentary lifestyle.

The average calorie consumption is the same for sedentary and active people

Pontzer, Urlacher, and others have found that both groups of the population – active hunters and gatherers and sedentary people – burn on average the same number of calories per day once they have adjusted to their weight. The difference seems to be in how they burn calories rather than how many.

Although the original idea was that the similarities were due to active people either being less active the rest of the day or being incredibly efficient with their movements, the answer seems a little more complicated.

It turns out that the body spends a lot of energy doing critically important tasks that aren’t quite as visible or as obvious as our activity level. “Even if you exercise all the time, you are still spending well over 50% of your calories just to rest,” said Pontzer.

This includes the energy expenditure for your immune system, your stress response, your reproductive response and your brain. “Your brain burns the equivalent of 300 kilocalories every day,” said Pontzer. “That corresponds to a 5K run.”

Our body uses the energy that is not used for training for other tasks

The thought is that when the body is faced with an excess of energy, which has been a relatively rare situation for most of human history, it uses it for processes that are useful but usually low priority for the body. “Now that we live in a high-energy environment all the time, your body can do these low priority things all the time,” said Pontzer.

A helpful analogy would be to think of this concept as similar to a household budget. If you’ve always made just enough to survive just to make some extra cash, you will likely be spending it on something that will really help you but will go well beyond your normal budget. You will not change your overall budget as you cannot expect to receive that extra money again.

With our bodies adapted to survive on very tight and often unpredictable energy levels, the extra energy that a sedentary lifestyle provides is treated like a one-off surplus to either use up or lose.

Lack of exercise leads to increased inflammation and stress reactions

This means that if your body doesn’t burn those calories while exercising, it will use those calories for low priority things that are useful but have high energy costs, such as: B. the inflammation and stress response.

In small amounts, the inflammatory and stress reactions protect us from pathogens and help us to escape danger. At the chronic level, this can damage blood vessels and other tissues, leading to a range of health problems.

Heavily sedentary people show higher levels of chronic inflammation as well as an increased stress response, including increased levels of cortisol and adrenaline. People who are very active have lower levels of inflammation and a reduced response to stress. Active people who do not eat enough take longer to recover from injury or infection because their bodies cannot use enough energy for the immune system.

When it comes to how our bodies use energy, we are still stuck in an evolutionary past where energy was always scarce and we needed any inflammatory or stress responses we could afford.

The difference is that we are now living in an energetic environment where we can afford so much that it is harmful to our bodies. “We call this an evolutionary mismatch,” said Urlacher. “Because the changes were so abrupt, our biology is not optimized for our new environments.”

Choose workouts based on what you enjoy, not calories

In a way, this knowledge is liberating: we know that exercise can help our health and happiness in a very important, tangible way that goes well beyond just burning calories. Exercise improves your mood, helps prevent or alleviate chronic health conditions, and it is a great joy to have the strength and energy to lead the life you want.

With the goal of getting extra calories out of the way, your priorities can only be figuring out what types of exercise you enjoy the most – the types of movements that you enjoy doing, that make you happy, and that you want to do regularly , Damn it count calories.

So stop counting your exercise calories and instead focus on finding activities that work for you so you can access the many other benefits that come with regular physical activity.

And what should you eat and in what amounts? That should be a relatively constant amount with a focus on healthy foods.

“You can’t escape a bad diet,” said Urlacher.

Assistant Secretary of State Wendy Sherman will go to China subsequent week

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Wendy Sherman, candidate for assistant secretary of state, testifies during her confirmation hearing for the Senate Foreign Affairs Committee in the Dirksen building on Wednesday, March 3, 2021.

Tom Williams | CQ Roll Call, Inc. | Getty Images

WASHINGTON – Assistant Secretary of State Wendy Sherman will travel to China next week to meet with Chinese officials, the State Department said on Wednesday.

Sherman, the country’s second senior diplomat, is expected to raise a number of U.S. concerns with Secretary of State Wang Yi and other officials in the northeastern port city of Tianjin.

The announcement came days after the United States, along with NATO and EU allies, formally blamed China for the brazen attack on the Microsoft Exchange server, which became public in March. Microsoft quickly identified the group behind the hack as a relatively unknown Chinese spy network called Hafnium.

Beijing has previously denied allegations of cyber espionage.

The State Department said Sherman’s talks with Chinese officials “are part of an ongoing US effort to have open exchanges with officials from the People’s Republic of China to advance US interests and values ​​and to responsibly manage the relationship.”

“The Vice Secretary will discuss areas where we have serious concerns about the actions of the PRC and areas where our interests coincide,” the statement added.

Sherman’s trip to China marks the second time the world’s two largest economies have held high-level face-to-face meetings since President Joe Biden took office.

In March, Foreign Minister Antony Blinken and National Security Advisor Jake Sullivan met with Chinese officials in Alaska. During the meeting, both sides exchanged barbs over China’s activities in the South China Sea, human rights violations and the coronavirus pandemic.

US Secretary of State Antony Blinken (2nd R), along with National Security Advisor Jake Sullivan (R), speaks to Yang Jiechi (2nd L), director of the Central Commission’s Foreign Affairs Office, and Wang Yi (L), of China Foreign Affairs Minister at the opening session of the U.S.-China talks at the Captain Cook Hotel in Anchorage, Alaska on March 18, 2021.

FREDERIC J. BRAUN | AFP | Getty Images

Tensions between Beijing and Washington increased under the Trump administration, which sparked a trade war and worked to ban Chinese tech companies from doing business in the United States.

Biden, who spoke to Chinese President Xi Jinping last month, previously said his approach to China would differ from that of his predecessor in that he would work more closely with allies to step up resistance against Beijing.

Following the meetings in China, Sherman will travel to Oman on Tuesday to meet with Deputy Foreign Minister Sheikh Khalifa Al Harthy.

5 beste regelmäßige Sparpläne in Singapur 2021: Investieren Sie mit 100 US-Greenback professional Monat, Cash Information

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Investieren ist wie täglich Sport zu treiben, die Kochkünste zu verbessern oder früher zu schlafen – wir alle wissen, dass wir es tun sollten, aber aufgrund von Zeitmangel, Disziplin oder Wissen bleibt es manchmal auf der Strecke.

Nicht zu wissen, wo sie anfangen sollen, ist ein wichtiger Grund für die Singapurer, Investitionen zu verschieben. Sie versprechen sich, eines Tages Investing for Dummies in der Nationalbibliothek auszuleihen. Aber im Moment gibt es dringendere Dinge zu tun.

Die Lösung? Regelmäßige Sparpläne bieten eine einfache und unkomplizierte Möglichkeit, Ihr Geld mit einem begrenzten Budget zu vermehren, auch wenn Sie keine Ahnung von Investitionen haben. Mit einem dieser Pläne können Sie ab dem 18. Lebensjahr mit dem Investieren beginnen.

Auf diese Weise haben Sie, wenn Sie dieses Buch Investing for Dummies tatsächlich lesen, bereits ein kleines und wachsendes Notgroschen.

Was ist ein regelmäßiger Sparplan?

Bei regelmäßigen Sparplänen müssen Sie regelmäßig, in der Regel jeden Monat, einen festen Geldbetrag einzahlen. Der Plan investiert Ihr Geld in Blue-Chip-Aktien, REITs und/oder ETFs.

Solche Pläne verwenden eine Anlagemethode namens Dollar-Cost-Averaging, um den Anleger vor dem größten Teil der Volatilität von Aktien zu schützen. Bei diesem Ansatz wird unabhängig von der Marktentwicklung der gleiche Betrag nach einem festen und regelmäßigen Zeitplan investiert.

Aufgrund des konstanten Engagements, das Sie am Markt erhalten, besteht die Idee darin, dass Sie langfristig die Höhen und Tiefen durchstehen und von der Aufwärtsbewegung des Marktes profitieren.

Ein regelmäßiger Sparplan kann eine gute Option für Anfänger sein oder für diejenigen, die nicht die Zeit oder die Geduld haben, den Aktienmarkt zu beobachten und entsprechend auf Schwankungen zu reagieren. Es ist für mittel- bis langfristige Investitionen konzipiert, also erwarten Sie nicht, dass Sie schnell Geld verdienen.

Die 5 besten regelmäßigen Sparpläne in Singapur

Wir vergleichen die 5 besten Optionen in Singapur: DBS Invest-Saver, FSMOne Regular Savings Plan, OCBC Blue Chip Investment Plan, POEMS Share Builders Plan und Saxo Regular Savings Plan.

Regelmäßiger Sparplan

Transaktionsgebühr

Zähler

DBS Invest-Saver

0,5 Prozent bis 0,82 Prozent

4 ETFs

OCBC Blue-Chip-Investitionsplan

0,88 %, wenn Sie unter 30 Jahre alt sind. Andernfalls 0,3 % (mind. 5 $)

15 ETFs & Aktien

POEMS Share Builders Plan

$6 (bis zu zwei Zähler) oder

$10 (drei oder mehr)

49 ETFs & Aktien

FSMOne Regelmäßiger Sparplan

0,08 Prozent (mind. $ 1 / US $ 1 / HKD5)

64 ETFs weltweit

Saxo Regulärer Sparplan

Keine, aber es fallen 0,25 % bis 0,75 % pa Servicegebühr an

4 verwaltete ETF-Portfolios

Beachten Sie, dass es regelmäßigere Sparpläne auf dem Markt gibt, aber wir konzentrieren uns auf solche mit ETFs oder nur börsengehandelten Fonds.

Schauen wir uns jeden regulären Sparplan genauer an.

1. DBS Invest-Saver

Mit dem DBS Invest-Saver-Plan können Sie für mindestens 100 US-Dollar pro Monat in ETFs und Investmentfonds investieren. Es ist praktisch, da alle Ihre Dividenden direkt Ihrem bestehenden DBS/POSB-Konto gutgeschrieben werden können, sodass Sie kein neues Konto einrichten müssen. Ab 18 Jahren können Sie sich für DBS Invest-Saver anmelden.

Der Plan bietet vier ETFs:

  • Nikko AM Singapore STI ETF (bildet Aktien aus Singapur nach)
  • ABF Singapore Bond Index Fund (bildet SGD-Anleihen nach)
  • Nikko AM SGD Investment Grade Corporate Bond ETF (bildet SGD-Unternehmensanleihen nach)
  • Nikko AM-StraitsTrading Asia ex Japan REIT ETF (bildet asiatische REITs nach)

Ein wichtiger Vergleichsfaktor bei der Auswahl solcher Pläne sind die Transaktionsgebühren oder die monatlichen Verkaufsgebühren, die Ihre Einnahmen verschlingen. DBS Invest-Saver berechnet 0,50 Prozent pro Transaktion für ihre Anleihen-ETFs und 0,82 Prozent pro Transaktion für ihre Aktien- und REIT-ETFs.

Wenn Sie 100 US-Dollar pro Monat investieren, bedeutet dies, dass Sie bis zu 0,82 US-Dollar pro Monat oder 9,84 US-Dollar pro Jahr an Transaktionsgebühren zahlen.

LESEN SIE AUCH: Regular Savings Plan (RSP): Was sie sind und in die Sie am besten investieren können

2. OCBC Blue-Chip-Investitionsplan

Eine weitere bequeme Option, wenn Sie lieber im Ökosystem Ihrer Bank bleiben möchten, ist der OCBC Blue Chip Investment Plan. Sie können sich für ein Konto anmelden, wenn Sie 18 Jahre alt sind, oder ein gemeinsames Konto mit Ihren Eltern oder Erziehungsberechtigten eröffnen, wenn Sie unter 18 Jahre alt sind.

Mit diesem regelmäßigen Sparplan können Sie bereits ab 100 US-Dollar pro Monat ein Portfolio von bis zu 30 Aktien/ETFs zusammenstellen. Sie können sich dann zurücklehnen und Dividenden (sofern vorhanden) direkt in Ihrem OCBC-Konto sammeln.

Mit dem OCBC Blue Chip Investment Plan können Sie in Unternehmen im Straits Times Index (STI) wie DBS, OCBC, Singtel und Starhub sowie in 4 ETFs investieren:

  • Lion-OCBC Securities Hang Seng Tech ETF
  • Lion-Phillip S-REIT-ETF
  • Nikko AM SGD Investment Grade Corporate Bond ETF
  • Nikko AM Singapur STI-ETF

Auf den Hang Seng Tech ETF sollten Sie achten, da er einige der größten Technologieunternehmen in China umfasst, darunter Alibaba Group, Tencent und Xiaomi.

Kunden unter 30 Jahren mit einem Anlagebetrag von bis zu 500 US-Dollar erhalten Vorzugsgebühren, die bei 0,88 Prozent pro Transaktion für diejenigen, die 100 US-Dollar pro Monat investieren, beginnen. Das entspricht 0,88 US-Dollar für jede 100-Rate oder 10,56 US-Dollar pro Jahr.

Andernfalls zahlen Sie eine Gebühr von 0,3 Prozent oder 5 USD pro Schalter, je nachdem, welcher Betrag höher ist. Aufgrund der Mindestgebühr lohnt es sich, wenn Sie über 30 Jahre alt sind, höhere Beträge pro Monat zu investieren.

3. POEMS Share Builders Plan

POEMS bietet einige Sparpläne an, aber wir konzentrieren uns hier auf den Share Builders Plan, mit dem Sie für nur 100 US-Dollar pro Monat investieren und Ihre Zahlungen automatisch über GIRO vornehmen können.

Mit dem POEMS Share Builders Plan können Sie in 49 ETFs und Aktien investieren. Zur Aktienauswahl gehören DBS, OCBC, Genting Singapore, Keppel Corporation und Sembcorp Industries.

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Das Angebot an ETFs ist auch breiter als bei DBS und OCBC, darunter der SPDR Straits Times Index ETF, der ABF Singapore Bond Index und der Lion-OCBC Securities Hang Seng Tech ETF. Wenn Sie Immobilienengagement wünschen, können Sie sich für REITs wie Frasers Centrepoint Trust und MapleTree Commercial Trust entscheiden.

Im Gegensatz zu den Sparplänen von DBS und OCBC, bei denen Sie Ihre Einnahmen auf Ihr reguläres Bankkonto erhalten, müssen Sie ein separates Philip-Investmentkonto eröffnen.

Ein nettes Feature ist, dass der Plan Ihnen die Möglichkeit gibt, Ihre Dividenden zu reinvestieren, was für jüngere Anleger, die das Einkommen nicht benötigen, großartig ist.

Auf der anderen Seite berechnet der Plan $6 für einen oder zwei Zähler und $10, wenn Sie mit mehr als 3 Zählern handeln. Das macht es mit Abstand zum teuersten Plan auf dieser Liste und es macht nur Sinn, wenn Sie jeden Monat einen größeren Betrag investieren müssen.

4. FSMOne Regelmäßiger Sparplan

Fundsupermarket oder FSMOne bietet einen regulären Sparplan mit 64 ETFs auf SGX-, HKEX- und US-Märkten an – und ist damit die größte globale ETF-Auswahl, die ein Plan auf dieser Liste bietet.

Dazu gehören noch weitere Nischen-ETFs wie der Premia Dow Jones Em ASEAN Titans 100 ETF (verfolgt aufstrebende südostasiatische Märkte) und ARK Next Generation Internet ETF (verfolgt Digital- und Technologieunternehmen). Aber die Auswahl kann für Anfänger überwältigend sein.

Wenn Sie investitionsbewusst sind, aber ein knappes Budget haben, ist der Plan von FSMOne für Sie geeignet, da die monatlichen Mindestinvestitionsbeträge nur 50 US-Dollar betragen.

Ihre Kaufgebühr beträgt 0,08 Prozent, bei einer Mindestbestellmenge von 1 SGD, 5 HKD oder 1 USD, je nachdem, welcher Betrag höher ist. Aufgrund der Mindestbestellgebühr lohnt es sich mehr, wenn Sie jedes Mal mindestens ein paar hundert Dollar investieren.

5. Saxo Regelmäßiger Sparplan

Mit diesem Plan von Saxo Markets können Sie aus einem von 4 professionell verwalteten ETF-Portfolios von BlackRock und Lion Global auswählen.

  • Defensiv – ein Portfolio mit geringem Risiko, das sich hauptsächlich auf Anleihen konzentriert
  • Moderat – mittleres Risiko, gleicht das Wachstumspotenzial mit dem Verlust von Geld aus
  • Aggressiv – risikoreich, hauptsächlich auf Aktien ausgerichtet
  • Dynamisches Wachstum: Asiatische Perspektive – Hochrisiko, Fokus auf Asien & Schwellenländer

Ähnlich wie bei vielen Robo Advisors können Sie mit dem RSP von Saxo in fertige Portfolios investieren, anstatt sich überlegen zu müssen, welche ETFs und Aktien Sie auswählen sollen.

Sie benötigen eine Mindesteinzahlung von 2.000 USD, um mit der Investition zu beginnen. Danach tragen Sie regelmäßig wöchentlich/monatlich zu Ihren Investitionen bei, wobei jeder Mindestbeitrag 100 US-Dollar beträgt.

Sie berechnen eine Servicegebühr von 0,25 bis 0,75 Prozent, was 0,25 bis 0,75 US-Dollar pro Monat entspricht, wenn Sie monatlich 100 US-Dollar oder 3 bis 9 US-Dollar pro Jahr investieren.

alt

Welchen regelmäßigen Sparplan sollten Sie also verwenden?

Wenn Sie auf der Suche nach Bequemlichkeit sind, sind DBS Invest-Saver und OCBC Blue Chip Investment Plan am bequemsten, da Sie kein separates Konto einrichten müssen, um Ihre Dividenden zu erhalten.

DBS sind kostengünstiger, wenn Sie über 30 Jahre alt sind, aber auch in Bezug auf die ETF-/Aktienauswahl sind sie eingeschränkter.

Der reguläre Sparplan von FSMOne bietet die beste Auswahl an globalen Indizes. Wenn Sie also eine gute Auswahl an ETFs bevorzugen, sollten Sie sich stattdessen für diesen entscheiden.

Der Plan von Saxo Market ist insofern einzigartig, als er professionell verwaltete Portfolios anstelle einzelner Aktien, ETFs usw. anbietet. Wenn Sie das reizt, sollten Sie es vielleicht mit den Robo Advisors in Singapur vergleichen.

Fallstudie: 500 US-Dollar pro Monat mit einem regelmäßigen Sparplan anlegen

Schauen wir uns die Fallstudie des fiktiven Herrn Muhammad Ali an, der 30 Jahre alt ist. Er verdient 3.000 US-Dollar im Monat und kann 500 US-Dollar für Investitionen zur Verfügung stellen. So viel würde er für die Verwendung eines regulären Sparplans bezahlen:

Regelmäßiger Sparplan

Gebühr für eine Investition von 500 USD

Saxo Regulärer Sparplan

1,25 $ bis 3,75 $

FSMOne Regelmäßiger Sparplan

1,35 $

DBS Invest-Saver (Anleihen)

2,50 $

DBS Invest-Saver (Aktien)

$4.10

OCBC Blue-Chip-Investitionsplan

$ 5

POEMS (1 bis 2 Aktienzähler)

$6

POEMS (3 oder mehr Aktienzähler)

$10

Die günstigste Option für ihn wäre der FSMOne Regular Savings Plan, der nur 1,35 US-Dollar pro Monat kostet. Aber mit 64 weltweiten ETFs zur Auswahl, ist es ein bisschen überwältigend für eine Investment-Jungfrau wie ihn.

Eine weitere erschwingliche Alternative ist DBS Invest-Saver, für die er bescheidene 2,50 bis 4,10 US-Dollar pro Monat zahlt. Es beschränkt ihn auf nur vier lokale ETFs, was im Moment in Ordnung ist, sich aber in Zukunft mit zunehmendem Anlagewissen restriktiv anfühlen könnte.

Wenn Ali entscheidet, dass er lieber in ein globales ETF-Portfolio investieren möchte, anstatt seine Investitionen auf den Singapur-Markt zu beschränken, könnte er sich für den Saxo Regular Savings Plan entscheiden, der vernünftige 1,25 bis 3,75 US-Dollar pro Monat kostet.

Da die OCBC- und POEMS-Angebote teurer sind, wird Ali sie erst zu einem späteren Zeitpunkt in Betracht ziehen, wenn er mehr Geld verdient und mehr investieren kann.

Wie sieht es mit den regelmäßigen Sparplänen anderer Banken aus?

Citibank, Standard Chartered und UOB haben ebenfalls Regelmäßige Sparpläne, jedoch können Sie mit ihren Angeboten nur in Investmentfonds investieren.

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Investmentfonds, auch Investmentfonds genannt, sind ähnlich wie ETFs. Beide bestehen aus einer Sammlung von Anlagevermögen, sodass Sie in einen diversifizierten Vermögenskorb investieren können, ohne ein Vermögen ausgeben zu müssen.

Der Unterschied besteht darin, dass ein Investmentfonds im Grunde ein Portfolio ist, das von einem professionellen Fondsmanager aktiv verwaltet wird, der ständig Entscheidungen über die Fondsallokation treffen muss. Ein Teil Ihres Geldes fließt in die Zahlung der hohen Gebühren der Fondsmanager.

ETFs hingegen sind passiv verwaltete Vermögenskörbe. Die Vermögensallokation erfolgt automatisch und basiert auf den Zusammensetzungsregeln des ETF. Sie haben auch Gebühren für Fondsmanager, die jedoch viel niedriger sind.

ETFs sind in der Regel für Einsteiger günstiger, die ihre Anlagen lange halten können. Einige Leute bevorzugen jedoch möglicherweise Investmentfonds, da Fondsmanager ihr Portfolio strategisch verwalten können, um in wirtschaftlich schwierigen Zeiten Gewinne zu erzielen.

Dieser Artikel wurde zuerst in MoneySmart veröffentlicht.

What’s the beta model? We all know that thus far

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People enjoy the sun and warm weather on Segur de Calafell beach in Spain, where beta falls are increasing.

SOPA pictures | LightRakete | Getty Images

While the world is busy fighting more Covid-19 waves through the highly contagious Delta variant, concerns about the beta variant discovered in South Africa are growing in parts of Europe.

Last week the UK government announced that anyone traveling to the UK from France will need to be quarantined even if they are fully vaccinated as they are concerned about “the persistent presence of beta cases in France” .

France has defended its case file, finding that most of the beta variant cases occur in its overseas territories of La Réunion and Mayotte, which are in the Indian Ocean, rather than mainland France.

On Tuesday, France’s European Minister Clement Beaune described the British measures as “excessive” and on Monday, France’s ambassador to the UK, Catherine Colonna, cited data showing that beta cases are on the decline.

Previously, there were concerns that Covid vaccines developed last year may not be as effective against the beta variant and bypass antibody drugs.

So is the UK government right to be concerned? CNBC has the facts about what we know about the beta variant.

What is the beta version?

As with all viruses, the coronavirus has mutated multiple times since it appeared in China in late 2019, although some mutations were far more significant than others, with several earlier dominant strains supplanting.

The alpha variant, first discovered in Kent, England, for example, became dominant worldwide earlier this year before it was usurped by the delta variant, first discovered in India.

Unlike these other “worrying variants”, the beta variant emerged around the same time as Alpha, but did not start in the same way as it was largely confined to South Africa and the surrounding countries where it was discovered last fall.

However, cases have been found worldwide. The World Health Organization’s latest weekly report on Tuesday showed that beta was discovered in 130 countries and seven new countries in the past week.

Why is it worrisome?

The variant, also known as B.1.351, has several significant mutations in the virus’ spike protein – E484K, K417N, and N501Y – that make it easier for this variant to infect people and possibly more difficult to treat, or with Covid vaccines to prevent.

The WHO has stated that the beta variant is linked to increased transmissibility, a possible increased risk of death in the hospital and that there is evidence that it could neutralize antibodies against Covid.

In its latest weekly report, the WHO cited a Canadian study published in July but not peer-reviewed that analyzed data from over 200,000 Covid-19 cases. It found that when compared to non-worrying strains of Covid, the risks associated with variants with the N501Y mutation (i.e. the alpha, beta, and gamma variants) were significant and a much higher risk of hospitalization, admission the intensive care unit and death.

The US Centers for Disease Control and Prevention also classify beta as a worrying variant, saying it is linked to an approximately 50% increase in transmission rate. The CDC has said that laboratory studies suggest that specific monoclonal antibody treatments may be less effective in treating cases of Covid caused by variants with “certain substitutions or combinations of substitutions in the spike protein”. They include the combination of K417N, E484K, and N501Y substitutions seen in the beta variant.

Do vaccines work against this?

The Covid vaccines currently available and predominantly used in the west, such as Moderna, Pfizer-BioNTech, and AstraZeneca-Oxford University, are all largely effective in preventing severe Covid infection caused by a handful of worrying variants, including Beta Proven in studies to reduce hospital stays and deaths.

However, the WHO stated on Tuesday that although the beta variant “maintains protection against severe illnesses”, there is “possibly reduced protection against symptomatic illnesses and infections”.

Lawrence Young, virologist and professor of molecular oncology at the University of Warwick’s Warwick Medical School, told CNBC on Wednesday that “we know the delta variant outperforms beta in terms of portability, but beta has been floating in the air for years Background for a while. “

“We know it can withstand the vaccine better. And all the data we have on it, especially from South Africa, is cause for concern.” [the beta variant] to be able to avoid vaccines in a population that is only partially vaccinated or not vaccinated. “

WHO noted that two recent studies in the US and Qatar had provided further evidence of the solid performance of mRNA vaccines – those from Moderna and Pfizer-BioNTech – against the alpha and beta variants.

The first, a US study that has not yet been peer-reviewed, found that the overall vaccine effectiveness of the Moderna or Pfizer BioNTech vaccines after two doses in preventing hospitalization was 86.9% for all variants – though Note that the alpha variant was the most common type, 59.7% of the viruses sequenced, in the study data.

A second study from Qatar, published July 9 in the journal Nature Medicine, found that Moderna’s effectiveness against beta-variant infections was 61.3% after the first dose and 96.4% after the second dose. The effectiveness against any severe, critical, or fatal Covid disease due to Covid infection, mainly the alpha and beta variants, was 81.6% and 95.7% after the first and second dose, respectively.

Where is it?

The beta variant is even more common in South Africa and neighboring countries, but the increase in cases attributed to the delta variant is far higher. According to the research institute Gisaid, an initiative that promotes the exchange of global Covid data, the US has now sequenced 2,231 cases of the beta variant, but none in the last four weeks.

Gisaid’s analysis shows that cases of the beta variant have been found in some parts of Europe, but are still at a relatively low level compared to the highly transmissible delta variant that has become prevalent worldwide.

In the past four weeks, the variant accounted for 3.7% of virus samples sequenced in France and 6.9% of samples sequenced in Spain, Gisaid data showed. For comparison, very low numbers of beta cases – less than 15 total – have been recorded in Portugal, Sweden, Belgium, Germany and the United Kingdom over the past four weeks.

WHO map showing the global prevalence of variants

World health organization

In South Africa, the mutation accounted for 5.3% of the virus samples sequenced. Gisaid noted that the data can be skewed by sample and report bias, but does not reflect the exact prevalence of Covid variants.

So is it right for Britain to quarantine newcomers from France? Young is not convinced and attributes the move to “panic” rather than reason.

“If you look at the current beta infection rates across Europe, Spain has a much higher rate. Recent data suggests that Spain has over 20% of positive cases, while France has around 3.8% lies, “he said.

“There are a lot of inconsistencies and I dare say ‘knee jerks’. I don’t understand why France was chosen that way.”

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