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Source: asia.nikkei.com The hidden risks of China's war on debt - Nikkei Asian Review HENNY SENDER, Nikkei Asian Review columnist 12-15 minutes HONG KONG -- When the Bank of Jinzhou, based in China's northeastern rust belt, went public on the Hong Kong stock exchange two years ago, its finances were a wreck. It had issued 34 billion yuan ($5.36 billion) worth of "wealth management products" that are hallmarks of China's sprawling "shadow" banking sector, and it was owed 9 billion yuan by an unnamed borrower who was under investigation by Hong Kong regulators. The bank, like many others across China, was loaded with risky debt -- the kind that China's leadership in Beijing is now determined to stamp out. After a massive buildup over the past decade, the government is waging an all-out war on debt. In December, President Xi Jinping said slashing debt was one of the "critica...

Mở tài khoản khi du học Mỹ  T-D BANK in WILLIAMSTOWN Mở tài khoản và đăng ký sử dụng thẻ tín dụng (credit card) tại ngân hàng để thuận tiện cho việc giao dịch khi du học là lời khuyên được nhiều du học sinh lưu ý cho những ai sắp đi du học. Tại các quốc gia phát triển, việc sử dụng các loại thẻ tín dụng rất phổ biến, thậm chí nhiều nơi còn có nhiều chính sách khuyến khích, cộng điểm cho người dùng thẻ. Mọi nơi đều dùng thẻ tín dụng Tại Mỹ, nơi được xem là “thiên đường” của thẻ tín dụng, người dân rất ít phải dùng đến tiền mặt để chi tiêu. Mọi giao dịch thanh toán, kể cả tiền lương, tiền làm thêm giờ đều được chi trả qua thẻ tín dụng. Nguyễn Phương Dung, sinh viên Trường ĐH Salem State, cho biết nhiều bạn thường làm sẵn thẻ visa/mastercard từ Việt Nam và mang sang đây. Điều này cũng không có gì đáng nói nếu bạn chỉ muốn tiêu xài và không đi làm thêm. “Không nói đến trường hợp các bạn du học theo dạng một năm J1 (không được phép đi làm), đối với những bạn du...

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Economy (Money system) explained in 30 minutes  

The Economist. How burdens are passed on to the next generation The rolling over of obligations is a natural pyramid scheme, with attendant risks The rolling over of obligations is a natural pyramid scheme, with attendant risks This week “The Economist explains” is given over to economics. Today’s is the last in a series of six explainers on seminal ideas. IN THE long run we are all dead, John Maynard Keynes pointed out. What he did not add is that some of us will be dead in the short run, too. And others who will expire eventually have yet to be born. “We”, in other words, includes a variety of staggered generations who will all meet the same fate, but not at the same time. The old coexist with the young, who will eventually grow old themselves. And when they do, they will mingle with a fresh batch of youngsters who do not yet exist.  Get our daily newsletter Upgrade your inbox and get our Daily Dispatch and Editor's Picks. This endless procession of over...

Washington DC Travel Tips: 10 Things to Know Before You Go to DC Washington D.C. Vacation Travel Guide | Expedia  Top 10 "Pro Tips" When Visiting Washington DC Exploring the Real Washington D.C.  Eat DC - 5 Things You Have to Eat in Washington, DC      

New York City Vacation Travel Guide | Expedia How to Ride the New York City Subway https://www.youtube.com/watch?v=cpUIbyhHvls&t=200s  NYC Travel Tips: 10 Things to Know Before You Go to New York City  https://www.youtube.com/watch?v=4Gm5EyzOoU4 12 of the best experiences from local New Yorker https://www.youtube.com/watch?v=7QXV5DWzWoo 16 Things to Know Before Visiting NYC | Tips from a Local New Yorker https://www.youtube.com/watch?v=SNyeSxIMT24 New York's Worst Tourist Traps: Times Square, Scams, Frauds, and More https://www.youtube.com/watch?v=8HXxSnuXYLM Secret Spots in NYC | Hidden Restaurants, Bars, Passageways, and More https://www.youtube.com/watch?v=h5-2GUZ2UDc Best Restaurants in NYC | A Culinary Tour with a local New Yorker https://www.youtube.com/watch?v=yf8jHN_uc68    

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