Why People Love To Hate Phong Tục Truyền Thống Tết Việt Nam Và Trung Quốc

Posted by Cassi on January 10th, 2021

Financial literacy training is still underdeveloped, and this can be called one of the reasons for the strong stratification of property in the world: it is impossible to achieve great success without knowing how to handle money.

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The main custodians of money are banks. Secrets known only to very wealthy people will help you get some advantages when interacting with them.

Banks allow people to open deposits at a small percentage, and they themselves give this money to other customers in the form of loans with a slightly higher percentage. They earn on the difference between these two percent.

This means that the bank's income directly depends on how much money is stored in it and how many loans it issues. So, for development, the bank needs two actions. The first is to increase the flow of money by opening new accounts. The second is to give out more loans. Thus, the more deposits the bank opens, the more it needs to issue loans. At the same time, it is desirable that they are paid as long as possible. The longer the maturity, the greater the interest.

That is why banks need to comply with standards not only for opening deposits but also for issuing loans. This fact can be used to increase the chances of receiving money: they say that banks more often approve applications submitted at the end of the year. The fact is that in most cases at this time they are not yet close to the desired indicators.

Bank branches are not equal. Each of them has a limit on the size of the loan, which the manager can approve. If the requested amount exceeds this limit, the client will be refused.

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Moreover, the reason for such a decision may not be communicated to him, and he will think that he did something wrong. In some cases, if the transaction seems particularly profitable, the manager may refer the borrower to a higher manager.

This also includes situations in which the bank has already exhausted its credit limit. It doesn't matter how well the client will justify his solvency - the application will be rejected because the bank does not have the right to exceed the credit limit. It can be increased, but certainly not at the request of the borrower.

This is a fairly obvious fact, and since it is pointless to deal with it, it is better to simply accept it. The Federal Reserve Bank of America, the Bank of England, the European Central Bank, the Bank of Japan, and so on, are all central banks. And they will always save large banks that are on the verge of ruin.

Large banks always get help. This means that they will always have money to rise from the bottom. This fact may not be pleasant, but it will not change in any way.

Initially, banks were touted as places to store money. Today we turn to their services because of the ease of using money anywhere and anytime. That is why everyone has bank cards.

Even more interesting is the fact that banks are trying to reduce the popularity of cash. Bank transfer makes people easier to relate to spending and not so keenly feel the loss when exchanging money for goods or services. It facilitates transactions and makes life comfortable, but also creates a more dangerous situation in terms of costs.

Banks do not store money. They make them circulate. This means that access to the deposit is not only for its owner. Now the government also has some level of control over the money of citizens - that is why super-rich people are looking for ways to protect their condition.

Banks exist to serve themselves. Serving other customers is secondary. All money deposited in the bank becomes its asset. All money borrowed from the bank remains its asset. The bank is in an almost win-win position.

This makes him always act in his own interests. The bank will never fight for the one who keeps the money in it. He fights for high interest and control. The fact is that after entering the bank, your money ceases to be only your property. They also become an asset of the bank.

The credit limit of a bank always depends on how many deposits are stored in it. And the ratio is always unfair.

Of course, the prize goes not to all employees, but only to those who are responsible for issuing loans. As a rule, these are managers. And this is not bad.

The bonus depends on the issued loans. Of course, they should not be unreliable. Each bank employee wants to receive an additional payment at the end of the year - which is why they can more readily approve applications closer to this time.

Most often this happens unknowingly. At the beginning of the year, the manager does not experience pressure in approving loans. But towards the end of the year, there is a fear of losing the bonus by not approving a sufficient number of applications. In addition, no one wants to be called an incompetent specialist.

Thus, if the client does not receive the money, the bank employee will miss the annual bonus. This is how rich people use it: they come to the bank to get the maximum possible amount because they have the necessary security and authority.

Bankers are the most flawlessly dressed professionals in the world. And they - consciously or unconsciously - evaluate the appearance of others. If the client does not look good,

Lohri, the traditional harvest festival of north India is just around the corner. Celebrated mainly by the people of Sikhs and Hindus, the festival marks the end of the winter solstice and the beginning of longer days. Lohri is celebrated on 13th January every year and a holy bonfire is lit, which signifies the passing of the winter solstice. Traditionally, Lohri is a festival that is celebrated with much zeal and enthusiasm to welcome longer days of warmer temperature. On this auspicious day, people from all parts of north India like to deck up in traditional attires, lit the bonfire, sing and dance around the bonfire, welcoming the longer phong tục truyền thống tết việt nam anh hùng days and sun's journey to the northern hemisphere.

Significance of Lohri

This Punjabi harvest festival has ancient significance both as a remembrance of the sun deity and as a winder crop season celebration. The festival is considered very auspicious for a newly married couple as it marks the start of new life and for a newborn baby as it marks fertility. Lohri holds great importance for farmers and crops. According to the traditional Hindu calendar, the occasion is observed just a night before Makar Sankranti in the month of Pausha and the festival is followed by the festival of kites.

Lohri holds a great significance in the minds of people as it marks the harvest of rabi crops and the passing of winter days. The people of Hindu and Sikh worship Sun God and thank them for giving the good harvest. This special day is observed and celebrated by all communities with different names and rituals.

Celebration

The Lohri celebration is a strike by singing and dancing the traditional folk songs around the bonfire. But, today, people around the world celebrate Lohri with new era new music and a new style of dance, and new Lohri gift ideas as well. On this glorious day, you can see every face sparkling with happiness. Like every other Indian festival, Lohri is also well known for spreading happiness and exchanging gifts.

Celebrating Lohri with new Lohri celebration ideas not only brings a group of people together but also light up the history that people of that particular place have resided in. This is the overview of the Lohri celebration and one can easily notice these things happening on January 13, every year when North Indians, especially Punjabis commend the festival.

Lohri gifts

Exchanging the fantastic Lohri gifts with dear ones is one of the important rituals which are divinely followed during this festival time. This year, send amazing Lohri gifts online to your near and dear ones to delight them on this special day of Lohri. Picking the right Lohri gift from the massive array of gifts available in the online stores is a tough job. So, know your dear ones' tastes and likes before you opt to buy gifts online. Some of the best Lohri gifts are dry fruits, sweets, bamboo plants, personalized gifts, etc.

Food items that are fed to the fire on Lohri

Have you ever wondered why such acts are given more importance during festivals? Well, the festival of Lohri which is considered to be the New Year for Punjabi farmers is marked as the day to feed food to the fire. However, this act of feeding food to the bonfire assumes a greater significance on the day.

Foods like popcorn, gajak, and even puffed rice are the items that are thrown into the bonfire. It is believed that Agni, the God of Fire will be impressed by this act of throwing food into the sparkling flames and thus they seek blessings for themselves and their family.

Bottom lines

Every festival that is celebrated in India comes up with a bunch of cultural importance and traditional beliefs. There are some rituals and practices that you should perform on these special days. However, the fact is, you have to do them as it has been done for a long time before.