Last time, we visited UOB Branch in Malaysia. It turned out that the location of its Malaysian licensed office corresponds to the regulatory information. The company is in business under the regulation of LFSA. As an "eye” of global investors, we conduct spot checks on forex brokers and present all the info on the WikiFX app to better serve forex investors, helping them find the reliable forex brokers while keeping them away from illegal ones. Today, we’re visiting DBS in Malaysia.To get more news about wikifx, you can visit wikifx news official website.
Forex Broker Highlights
　　- "Worlds Best Digital Bank in 2018” award–by Euromoney
　　- "Safest Bank in Asia” award for ten consecutive years–by Global Finance
　　- The bank’s "AA-” and "Aa1” credit ratings are among the highest in the Asia Pacific.
　　On-the-spot investigation
　　According to the regulatory address, WikiFX team came to the Financial Park Complex. According to the local people, it is the largest business complex in the Federal Territory of Labuan, covering approximately 12 acres. After entering the building, we filled out the visitor registration form, followed the directory and successfully found DBS Malaysian branch on the 10th floor. Through the glass door, we could see a neat and posh office with around 10 cubicles.
Summary
　　From this visit, we confirm that the address of DBS is consistent with its regulatory address and the company is in business normally.
　　Conclusion
　　WikiFX App indicates that DBS is rated at 8.60 and holds two MM licenses issued by LFSA and FCA, currently in valid regulation. Investors can choose this forex broker safely.　　Up till now, we have visited hundreds of brokers, many of which are presented in multiple angles with the help of VR technology. Apart from that, we have archived over 14,000 brokers on the WikiFX App, offering tremendous forex information for investors.

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On-the-spot investigation
　　According to regulatory information, Topgrowth Futuress office is located at Sahid Sudirman Center LT. 40 Jl. Jend. Sudirman Kav. 86 Jakarta, and WikiFX recently visited the broker at the location.To get more news about wikifx, you can visit wikifx news official website.
　　We drove to Jl. Jend. Sudirman Kav, one of the busiest business area in Jakarta and soon found the directory sign to Sahid Sudirman Center outside a white building. We followed the sign to the office building and took the elevator to Sahid Sudirman Center LT. 40 that we set out to visit. There we saw the striking logo of Topgrowth Futures at its neat and posh reception. We explained our intention to the company staff, and learned that there were about 20 staff members working in the office. We thus confirm through investigation that Topgrowth Futures’ office really exists in Indonesia.
Analysis
　　The financial market that continues to grow in recent years is gaining wider reach and influence, while the Southeast Asian market after decades of rapid development is eventually shifting its focus to providing financial services, thus accommodating for the expansion of the financial market. With several hundred million of population, Indonesia also successfully seized this opportunity, but the weak financial regulation is still a problem that local authorities and brokers need to solve urgently.
　　According to its official website, the surveyed broker Topgrowth Futures was established in 2003 and has now grown into the best and largest futures brokerage company in Indonesia, providing services in forex, indices and commodity trading. Regulated by BAPEBBTI, the broker is also official member of JFX (Jakarta Futures Exchange), ICDX (Indonesia Commodities and Derivatives Exchange) and KBI(Indonesia Derivatives Clearing House). Per investigation, Topgrowth Futures holds retail forex license from BAPPEBTI and is qualified for forex business.
Conclusion
　　WikiFX App shows Topgrowth Futures to be under regulation with retail forex licenses from BAPPEBTI. The company has been in business for less than a year with a WikiFX rating of 5.97, suggesting fairly acceptable credibility. Nonetheless, investors need to pay close attention to asset safety during your investment.

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As of November 26th, 2019, speculative net shorts for the British pound increased by 4,673 to 36,576. Among them, speculative longs decreased by 559 to 38,646, and speculative shorts increased by 4,114 to 75,222.To get more news about wikifx, you can visit wikifx news official website.
　　Speculative net longs for the Canadian dollar decreased by 8,521 to 20,344. Among them, speculative longs decreased by 4,110 to 60,930, while speculative shorts increased by 4,411 to 40,586.
　　Meanwhile, net long speculative positions of crude oil increased by 4,601 to 470,936 shares. Among them, speculative longs increased by 12,317 to 553,737, and speculative shorts decreased by 28,644 to 82,801.
In addition, the newly elected ECB President Christine Lagarde will soon host her first monetary policy meeting as head of the EU central bank. Although there aren‘t much big changes expected from the ECB, the market still look forward to any decisions from the meeting that may signal the bank’s future policies.
　　Although its near the end of the year, the forex market remains subject to the influence of many major events. And as a leading forex media, WikiFX continues to present market news and analysis for investors. You may also visit WikiFX website, App or Facebook page to view more information.

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BP is offering a discount of 50 cents off per gallon for first responders and health care workers the next time they fill up at BP or Amoco gas stations in the US.Try to find ways to save much money? Promosstore is the best place for you to get coupons, vouchers and deals to help you save much money on your purchase. To get more news about vodafone promo codes, you can visit promosstore official website.

"Thank you for being on the front lines and keeping our communities healthy and safe,” BP says on its website, "We are honored to be supporting you and helping you get where you need to go.”

To obtain the discount, first responders and health. They will be asked to verify their identity through the website ID.me and will then receive a discount code via text or email that they can enter at the pump.

Discount codes will be offered until April 30 or until a "maximum value of one million dollars in cents per gallon discounts is reached,” BP said. There’s a limit of 2 discount codes per user and the codes expire by June 30.

The oil and gas company is one of many to offer free meals, shoes and other discounts to the medical workers who are risking their lives to treat people during the coronavirus pandemic.Health care professionals have the opportunity to receive 50 cents off per gallon at BP and Amoco stations amid the COVID-19 pandemic. The offer is available to doctors, nurses, first responders and hospital workers.

"Thank you for being on the front lines and keeping our communities healthy and safe,” BP said in a press release. "We are honored to be supporting you and helping you get where you need to go.”Want to get the highest quality products with the lowest prices while shopping? vist www.promosstore.com

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It’s no secret that bringing a product to market is only half the battle. As all companies and brands know, the rubber meets the road when customers start buying. And that’s where promotion comes in to play—in a big way. In fact, consumer product companies spend about $1 trillion each year on trade promotions. Much of that, however, is poorly spent. In a recent review of more than 800,000 UPCs and 92 million promotion event weeks totaling $213 billion in U.S. retail sales across 75 retail banners across channels, Nielsen found that two-thirds of promotions don’t even break even. But some manufacturers have managed to crack the code, and their promotions perform five times better than the least efficient promoters.Try to find ways to save much money? Promosstore is the best place for you to get coupons, vouchers and deals to help you save much money on your purchase. To get more news about echt discount code, you can visit promosstore official website.

The Monster Energy Cup features the top riders competing in three main events on a hybrid supercross/motocross track, bringing a unique challenge and experience to the world of motocross racing. The event is Oct. 20 beginning at 7 p.m. at Sam Boyd Stadium.

This offer is not valid on jackpot seats and is limited to six tickets per person. The offer expires Oct. 19.
Pits & Practice

Fans are encouraged to come early to experience the Party in the Pits as well as enjoy afternoon practice. The Party in the Pits features each team and riders signing autographs, exhibitions by Monster Energy athletes, and much more. The Party in the Pits open at 12:30 p.m. is free with your paid event ticket.Want to get the highest quality products with the lowest prices while shopping? Click Here

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E-commerce is booming in the US, but one part of the online shopping experience that leaves much to be desired is the search for working discount codes. Consumers want to fill in that empty promo code box, but in too many cases, an online coupon search leads to a sea of expired codes and wasted time.Try to find ways to save much money? Promosstore is the best place for you to get coupons, vouchers and deals to help you save much money on your purchase. To get more news about adairs coupon code, you can visit promosstore official website.

Dealspotr, the leading crowdsourced savings platform, conducted a study on popular coupon websites to better understand why so many coupon codes online are expired. The results were stunning: among popular and mid-tier coupon sites and browser extensions, only 35% of discount codes listed actually provided a working discount. Further, the study found that nearly half the coupon searches happening using current tools result in failure.

"Maintaining a truly accurate database of coupon codes across tens of thousands of retailers is major challenge requiring significant resources,” says Dealspotr’s CEO Michael Quoc. "At Dealspotr we apply crowdsourcing at scale and a technology-first approach to solve this.”

Dealspotr, launched in 2015, applies crowdsourcing, gamification, and micro-incentives to solve the problem of expired coupons. The site has grown to nearly 200,000 community deal curators who make over 30,000 edits per day, keeping Dealspotr’s industry-leading database of 5 million promo codes accurate, verified, and checked each day.Want to get the highest quality products with the lowest prices while shopping? Buy Now

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As a state of emergency in Phoenix prompts all restaurants and bars to switch to delivery/take-out/drive-thru only, there are some good dining deals to be had.
Many restaurants are offering discounts and specials to help customers ease away from eat-in dining rooms, at least for now.Try to find ways to save much money? Promosstore is the best place for you to get coupons, vouchers and deals to help you save much money on your purchase. To get more news about Promosstore, you can visit promosstore official website.

Here’s a list of some deals we found around town:

-Adobe Restaurant – All orders will receive a coupon for $10 off their next door. Adobe is also provide free delivery. All orders can be placed by calling 602-468-9160.

-AhiPoki Bowl – Order takeout online and receive $2 off your order of $10 or more by using code SAVE2. UberEats is offering FREE delivery through the app. ($2 off takeout does not apply to delivery orders.)

-Ajo Al’s – Free delivery with UberEats and $5 off GrubHub and Postmates. The restaurant will be announcing more offers for takeout over the next few days.

-Angry Crab – Offering free delivery for call in orders within 5 mile radius of all 5 locations.

-Black Angus Steakhouse – 20% off take out orders placed on their website.

-Blanco – Free delivery on orders over $15. They are also offering 35% off all to-go orders. All bottled wine, beer and special cocktails are 50% off.

-Blaze – Free delivery plus online specials – large one-topping pizza for $10 or two large one-topping pizza for $20.

-Bonchon – Free delivery with UberEats on orders over $25 or Doordash with "First Bonchon Delivery.”

-Booty’s Wings Burgers & Beer – Booty’s is offering 25% off regular priced menu items for take out. All Daily Dine In Specials are now also available for take out but does not include the 25% off.

-Bourbon & Bones – 25% off your to-go order and 50% off select bottles of wine, beers and spirits. You can place your order by called 480-629-4922. Those who order take-out from KOVO will receive a $5 giftcard when downloading the Gift3R app. Mondays and Tuesday from 4 p.m. to close, you can get their Wine and Board special for take out. It comes with a wood-fired pizza or bruschetta with a bottle of wine for $20. Wednesday through Sunday, add a bottle of wine to your order and get 30% off the bottle. Free delivery is also available from Uber Eats and DoorDash. For take out orders for healthcare workers and first responders, they can get an additional 25% off. Want to get the highest quality products with the lowest prices while shopping?see more

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I’m hoping someone you know WON THE $700 million dollar Powerball Lottery Jackpot. I’d still be excited if you won the small prizes of a million bucks or so. Still a pretty good day. Powerball Tips for any winner. As say in this clip- if you won CALL ME!!! I love working with Lottery Winners!Get more news about 彩票包网平台,you can vist loto98.com

-Take your time, and have a thought out financial plan for your winnings.

Make sure to work with a Fiduciary Financial Planner to help lead your team of financial professionals to maximize this win.

What to do with a Windfall? Lottery Win? Inheritance check out this post

Powerball Winning Numbers Blessing or Curse? + Powerball Video
We all dream of winning big- millions of dollars to spend enjoying life. The tales of people who had their lives ruined or ended after winning the lottery could fill a book. Check out these videos and post about if winning the lottery is a blessing or a curse. We’ve worked with lottery winners in the past so they know how to make the most of their windfall.

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China faces a drawn-out struggle to revive an economy that suffered its biggest contraction since possibly the mid-1960s after millions of people were told to stay home to fight the coronavirus.To get more latest china economy news, you can visit shine news official website.

The world’s second-largest economy shrank by 6.8% from a year earlier in the quarter ending in March after factories, offices and shopping malls were closed to contain the outbreak, official data showed Friday. Consumer spending, which supplied 80% of last year’s growth, and factory activity were weaker than expected.

China, where the pandemic began in December, is the first major economy to start to recover after the ruling Communist Party declared the virus under control. Factories were allowed to reopen last month, but cinemas and other businesses that employ millions of people still are closed.

There are signs that after an "initial bounce” as controls ended, "the recovery in activity has since slowed to a crawl,” said Julian Evans-Pritchard of Capital Economics in a report.The last contraction this big was 5.8% in 1967 during the upheavals of the ultra-radical 1965-75 Cultural Revolution, according to Iris Pang of ING.

Forecasters earlier said China might rebound as early as this month. But they say a sharp, "V-shaped” recovery looks increasingly unlikely as negative export, retail sales and other data pile up.

Instead, they expect a gradual crawl back to growth in low single digits in the coming quarters. For the full year, forecasters including UBS, Nomura and Oxford Economics expect little to no growth.

In total, China has reported 4,632 deaths after the total for Wuhan, the city of 11 million people at the center of the outbreak, was revised upward Friday. The mainland has announced 82,367 cases.

Retail sales fell 19% from a year earlier in the first quarter. That improved in March, the final month of the quarter, to a decline of 15.8%. But consumers, jittery about possible job losses, are reluctant to spend despite government efforts to lure them back to shopping malls and auto showrooms.

That is a blow to automakers and other companies that hope China will power the world economy out of its most painful slump since the 1930s.

Job-hunter Ni Hong’s challenge highlights the problem. Ni, 32, quit her job in Beijing in January to find a new one, but the virus disrupted those plans. Ni is paying her mortgage out of her savings and avoiding other spending while she looks in a market flooded with newly laid-off workers.In the past, there were maybe two or three candidates for a post,” Ni said. "Now, I have eight to 10 competitors, so the chance for me to be eliminated is much higher.”

That is a political challenge for the ruling party, which bases its claim to power on China’s economic success. The party appealed to companies to keep paying employees and avoid layoffs during the shutdown. But an unknown number have failed, adding to public anxiety.

The economy already was squeezed by a tariff war with President Donald Trump over Beijing’s technology ambitions and trade surplus. Last year’s growth sank to a multi-decade low of 6.1%.

Exports fell 6.6% in March from a year earlier, an improvement over the double-digit plunge in January and February. But forecasters say demand is bound to slump in America and Europe as anti-virus controls keep shoppers at home.

"Lingering consumption weakness and sliding foreign demand will weigh on the upturn,” said Louis Kuijs of Oxford Economics in a report.

Growth was stronger than some forecasts that called for a contraction of up to 16% but this is the biggest contraction since market-style reforms started in 1979."The numbers were even uglier than most anticipated, which is good!” said Andy Rothman of Matthews Asia in a report. "These ugly numbers indicate that the leadership didn’t fudge the data to hide the seriousness of the situation.”

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China has stepped up its response to a new coronavirus outbreak that has killed 41 people and infected at least 1,287 as of Saturday, placing restrictions on 13 cities, including 12 in Hubei Province – the centre of the outbreak.To get more shanghai breaking news, you can visit shine news official website.

At least 36 million people are living in the affected cities, some of which have suspended public transport amid fears that the transmission rate will accelerate as hundreds of millions of Chinese travel for the Lunar New Year.

Health authorities around the world are taking action to prevent a global pandemic, with cases reported in Japan, Thailand, South Korea and the United States.

The World Health Organization (WHO) has acknowledged that the respiratory illness, which has been traced to the city of Wuhan, is an emergency in China. But WHO said it is too early to declare it a global health emergency.France has announced late on Friday the third confirmed case of the conronavirus. Earlier on Friday, officials had confirmed two cases, the first in Europe.

Surgical masks selling out in New York’s China Town
More than a dozen pharmacies in New York City’s China Town had run out of face masks or only had a few left on Friday.

Pharmacists said hundreds of locals had rushed to buy masks for protection from the newly discovered coronavirus.

First two cases of coronavirus in Europe confirmed in France
French Minister for Solidarity and Health Agnes Buzyn has "confirmed” two cases of the coronavirus in the country, the first reported incidents of the respiratory illness in Europe.

The first case involved a patient in hospital in the southwestern city of Bordeaux while the other was in Paris, Buzyn told reporters.

First South Asia coronavirus case reported in Nepal
A Nepali student who returned from Wuhan has tested positive for the coronavirus, health officials in Nepal said in a statement, making it the first case reported in South Asia.

The 32-year-old student arrived in Nepal on January 9, and entered the Sukraraj Tropical and Infectious Disease Hospital in Kathmandu four days after running a fever and reporting trouble breathing, hospital spokesperson Anup Bastola told AFP.

"The results of a sample, sent to Hong Kong, have returned positive,” Bastola told AFP, noting that the patient was discharged after recovery.”We are monitoring the patient and he and his family members are healthy. So are all the health workers in the hospital,” he added.Health officials in the state of Illinois announced the second case of coronavirus in the US, located in the city of Chicago, local media outlet CBS Chicago reported.

According to CBS, the patient is a woman in her 60s, who had travelled to Wuhan in December.The woman returned from China on January 13 without initially showing any signs of illness, but a few days later, she called her doctor to report feeling sick.

Doctors with the US Centers for Disease Control and Prevention say the woman is hospitalised to prevent the spread of the virus and is doing well, and those she had been in close contact with are being monitored.

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Tens of thousands of students returned to school in Shanghai and Beijing Monday after months of closures intended to curb the spread of the coronavirus, as China’s major cities gradually return to normality.To get more shanghai news today, you can visit shine news official website.
Shanghai students in their final year of middle and high school returned to classrooms, while only high-school seniors in Beijing were allowed back on campus to prepare for the all-important "gaokao” university entrance exam.
China has largely curbed the spread of the deadly disease, but is still on high alert with growing fears of imported cases and a second wave of domestic infections in the northeast.
Teenager Meng Xianghao said he was taking extra precautions on his first day back at Beijing’s Chenjinglun High School.
"I brought masks, garbage bags and disinfectant,” Meng, who had just taken the subway for the first time in months, told AFP as children in masks and uniform tracksuits filed past police and officials to enter the school.
"I’m glad, it’s been too long since I’ve seen my classmates,” said 18-year-old student Hang Huan. "I’ve missed them a lot.”
A tent set up at the entrance was staffed by a person in a white hazmat suit, while a man wearing a container of disinfectant on his back sprayed the ground by the school gates.
Across the country, schools that have been closed or online-only since January began gradually reopening last month, while virus epicentre Wuhan is set to reopen its high schools on May 6.
Students in the capital will have their temperatures measured at school gates and must show a "green” health code on a special app that calculates a person’s infection risk, according to China’s Ministry of Education.
The ministry said some schools in Beijing had rehearsed the reopening with mock "students” in advance.

Footage from the Communist Party-run Beijing Daily showed some of the city’s 49,000 high-school seniors in classrooms Monday, wearing masks at desks which were spaced evenly apart as teachers welcomed them back with speeches.
A screen at the front showed a photo of Chinese President Xi Jinping, as the teacher talked to the class about the significance of overcoming the COVID-19 pandemic.
In some cafeterias, students are assigned fixed seating spots spaced at least one metre apart.
Beijing still has strict measures in place to prevent a fresh outbreak, requiring visitors to the city to pass stringent testing requirements and complete lengthy quarantine periods.
In Shanghai, some schools have set aside special rooms for isolating students with "abnormal temperatures,” the ministry said.
Beijing student Xiao Shuhan told AFP he thought some form of social distancing would continue even as classmates and friends reunite.
"We’ll no longer put our arms around each other’s shoulders,” he said.
The long absence from classrooms has added to the pressure on final-year students preparing for the high-stakes "gaokao” exams, which is the only route to Chinese universities and notoriously difficult.
"At school there’s a certain atmosphere for learning and at home there is not,” said Wang Yuchen, a 17-year-old student.
China said in March that it would postpone the exams by one month to July this year.

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Nigeria is the most populous country in Africa with 173 million population in totally, accounting for 16% total population in Africa. It is also the largest economy in Africa. In 2013, Nigeria’s GDP was US $509.9 billion. According to data released by Nigeria’s National Bureau of Statistics on February 24, 2020, Nigeria’s economy grew by 2.27% in real terms in 2019, 0.36 percentage points higher than in 2018. Driven by industries such as information, communications, agriculture, finance, insurance, and manufacturing, the Nigerian economy grew by 2.55% in the fourth quarter of 2019 compared with the same period last year.To get more news about learn forex trading, you can visit wikifx news official website.
As retail forex markets in Europe, the United States and Australia have been matured , people in emerging markets have begun to pay attention to foreign exchange trading. As the largest economy in Africa, Nigeria’s retail forex market is on rising, more and more individual investors are attracted to this market. It is estimated that the average daily trading volume in Nigeria’s forex market may be around 350 million to 450 million naira (US $1 million-1.2 million), and this figure is still on rising. Nigerian investors interested in forex has been growing steadily over the past decade and there are more than 300,000 retail forex traders in Nigeria , the active traders would be around 25-30 per cent. According to a report on net forex deposits by CPattern, the foreign exchange traders deposit an average of about 514$ per quarter. In Africa, it ranks second behind South Africa.
　　Furthermore, Nigeria has nearly 200,000 traders so far and daily forex volume is about $314 million, according to the Bank for International Settlements (BIS). In 2019, traders in South Africa and Nigeria have paid an average of about $742.04 and $514.42 per quarter to MT4 brokers, which is most popular broker in local. This is highest purchase amount in Africa, according to CPattern, a trading data firm.
By the end of 2020, The popularity rate of Internet will account for 39.2% of the 1.3 billion people in the African continent.This has led to rapidly growth of the user based on forex and other investment vehicles. It would be easier for Africans to access online trading platforms and do deposit quickly in offline. On the other hand, it is easier for African brokers to target a growing user base through online advertising platforms. In addition, professional investors in Africa are increasingly focused on global investment options-such as stocks of companies listed on the New York Stock Exchange, forex markets and commodities-which are providing them with better liquidity and volatility.

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Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, but our reporting and recommendations are always independent and objective.Shopping for life insurance can be intimidating. There’s so much information out there that it’s hard to know where to start.If you want to learn more about life insurance, figure out if it’s for you, and get some tips on where to start (comparison site Policygenius is usually a good move), you’ve come to the right place.We’ve gathered some of Business Insider’s most helpful articles to answer your burning questions, from who needs life insurance, to how much, to where to get it.Life insurance seems like a big deal.But setting it up is surprisingly easy, and paying for it can be surprisingly affordable.To get more news about forex signals, you can visit wikifx news official website.
If you think you might need life insurance, but you’re intimidated by the seriousness of it all or don’t know where to start, we’ve gathered some of Business Insider’s most helpful articles in one place. If you want to learn more about life insurance, figure out if it’s for you, and get some tips on where to start, you’ve come to the right place.Who needs life insurance？If you have dependents — that’s people who rely on your income, like children, a non-working spouse, or aging parents you support — you need life insurance. If you don’t have dependents but do have debt or own a business, you might also want to consider it.Read more »How much life insurance do I need？Traditionally, the rule of thumb is to get life insurance worth 10 times your annual income — so if you make $75,000 a year, you’d get $750,000 worth of coverage. However, some experts consider that to be a low estimate, especially if you’d want your life insurance payout to cover your child’s college tuition, or if you have a mortgage on your home you’d want to pay off. Some people choose to get millions in coverage.Read more »How much does life insurance cost？
There are two types of life insurance: term life and whole life. Term life, which covers policyholders for a set term (like 30 years), is our recommendation for most people primarily because it’s much more affordable than whole life.Depending on your profile and your coverage needs, it’s possible to get term life insurance coverage for as little as $25 a month or less. When you sign up for a term policy, your payment is fixed, meaning unless you change your coverage needs, you’ll be paying that $25 a month for the entire 30 years.Read more »Does life insurance cost more now that there’s a global pandemic？In short, no. Business Insider’s Liz Knueven reports that online life insurance agencies — despite a surge in applications — say getting term life insurance is just as easy, and just as cheap, as it was before the pandemic."If you’re a healthy young person and you’re applying for life insurance, your rates shouldn’t be changed due to this coronavirus,” Allison Kade, a marketing director at online life insurance agency Fabric, told Knueven. "The underwriting process is the same if you were to apply today as if you were to apply two months ago.”Where should I get life insurance？Every insurer evaluates potential applicants slightly differently, so you’ll want to get multiple quotes to see who can offer the most coverage at the best monthly price. You can start by getting quotes from olicygenius, a life-insurance comparison site. Read more about Policygenius »Bestow, an online insurer which offers term life policies for as little as two years at a time. Read more about Bestow »Haven Life, an online company which offers coverage without a medical exam Read more about Haven Life »Fabric, an online insurer geared toward parents with kids living at home.
　　I already have life insurance through work. Is that enough？As financial adviser Jeff Rose says, "the only people who have enough life insurance through work are the ones who don’t need it.” Employer-sponsored life insurance policies tend to offer limited coverage, and their chief drawback is that generally you won’t be covered any longer if you leave your job.That’s not to say you shouldn’t sign up for the policy offered by your job — only that you’ll want to strongly consider adding an independent policy as well.Read more »I’m going to have a baby — when should I get life insurance？
For life insurance, the sooner, the better. Life insurance coverage typically gets more expensive as you age and become riskier — in the eyes of an insurance company — to cover. If you can, you’ll want to get life insurance before you have a child, if only because you’re currently younger and presumably healthier than you’ll ever be (plus, it’s nice to cross a chore off the list before you have a newborn).Read more »What if I don’t have children？ Should I have life insurance？Most people think about life insurance in terms of leaving money to their children should they pass away, but really it’s for leaving money to dependents. That’s anyone relying on your income to live, including aging parents you support or non-working spouses.Some people choose to get life insurance even if they don’t have dependents, for a variety of reasons:They have debt they don’t want their family members or cosigners to have to assumeThey want to leave money to pay the full cost of a funeral and burial so their loved ones don’t have to pay for itThey own a business and want to use the policy as collateral to borrow money or to keep things running if they pass away They want to help their same-gender spouse is taken care of, even if the courts overturn their marriage in the future

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discount code for students was reusable

Amazons Prime Student deal gave new users £5 (Dh23.55) off their first purchase with a code called 'Welcome5' but students quickly got on to the fact that it could be reused multiple times.Try to find ways to save much money? Promosstore is the best place for you to get coupons, vouchers and deals to help you save much money on your purchase. To get more news about booktopia discount code, you can visit promosstore official website.

Soon, the word spread like wildfire across the UK's campuses and students began stock-piling up products as toilet rolls and toothpaste - as well as packs of beer, The Sun reported.

"We started looking for useful stuff that was a fiver or under and discovered there was loads that we could get that would be really handy - and also some pretty rubbish things we got just for the hell of it. 'We'll never need to buy toiletries, cheap novels, highlighter pens, folders or batteries again during our whole university career and well beyond," a 19-year-old student in Newcastle told The Sun.

The student said the deal was like an addictive game as they were trying to get things whatever they could find for £5. ( Dh.23.55/-)

Additionally, Ryan, a student in Nottingham, said he saved £164 (Dh.772.24/-) on 36 items, including food, stationary and more.One of my flatmates used the discount to buy sex toys for his girlfriend. I hope they bring it back next year," Ryan added.

The glitch was there for 9 days until Amazon realised what was going on last week.Want to get the highest quality products with the lowest prices while shopping? Read More

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The worst tips for winning the lottery

More than $2.2 billion is on the table ahead of this week's Mega Millions and Powerball drawings, and people are losing their minds. Dozens of articles purport to have "tips" for beating the odds, while other websites offer "advice" for winners.Get more news about 彩票包网,you can vist loto98.com

Most of the advice is very bad, because, I'm sorry, you are absolutely not going to win.

The odds of chancing upon the six-number combination to win the Mega Millions $1.6 billion jackpot is 1 in 302.6 million, while your chances of winning the $620 million Powerball are only marginally better, at 1 in 292 million. The chance of winning both is 1 in 88 quadrillion, which yes, is a real number.

Read on for some of the worst, most boring advice for would-be lottery winners. And good luck — you're going to need a lot of it.
Worst advice for winning the lottery:

1. "Buy as many tickets as you can afford."

Do not do this.

2. "If you find a discarded lottery ticket, it's worth taking the time to double-check."

It won't be.

3. "Win a bigger payout by choosing rarer numbers."

This is not how statistics works.

4. "Everyone knows the lottery is a game of chance — but it seems there are certain numbers that are luckier than others."

See above.

5. "When all is said and done, using astrology to help select your lotto game numbers is probably just as good as any other system.

Well, you're not wrong.

6. "When you play a lottery of multiple numbers, it is essential that you tie personal lucky numbers into the calendar day number that the lottery is drawn.

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As the coronavirus swept over China

The response to the coronavirus pandemic in the United States and other countries has been hobbled by a host of factors, many involving political and regulatory officials. Resistance to social distancing measures, testing debacles, and longtime failures to prepare for the possibility of a pandemic all played a role.To get more China breaking news, you can visit shine news official website.

But a subtler, less-recognized factor contributed to the wasting of precious weeks in January and February, when preparations to try to stop the virus should have kicked immediately into high gear.

Magical thinking — you could call it denial — hampered the ability of even some of the most seasoned infectious diseases experts to recognize the full threat of what was bearing down on the world.As China was seeking to rid itself of the SARS-CoV-2 virus, a number of leading infectious diseases scientists mused that the outbreak would be controlled or might burn itself out. Yes, there were cases outside China — just over 100 had been reported to the World Health Organization by Jan. 31 — but they were spread out in relatively small numbers in 19 countries. The virus, the thinking went, didn’t appear to be behaving as explosively outside of China as it had inside it.

In hindsight, that argument, from a biological point of view, didn’t make any sense — and it ignored a soon-to-be-apparent Epidemiology 101 lesson: It takes time for a virus that spreads from person to person to hit an exponential growth phase in transmission, even if every new case was infecting on average two to three other people.It wasn’t that the virus was behaving differently; we simply hadn’t yet seen what it was doing as it moved beyond China. When large outbreaks exploded in Iran and then Northern Italy in late February, the reality became abundantly evident. And then it was too late.

"Everybody was in denial of this coming, including the U.S. And everybody got hit — just as simple as that,” Gary Kobinger, director of the Infectious Disease Research Center at Laval University in Quebec, told STAT.

Kobinger himself thought the WHO’s immediate move to a war footing on the virus — the day after China made its first official report on it on Dec. 31 — was probably an overreaction. The rapid rise in cases in the city of Wuhan brought him around.

"After that I changed my mind and I said, ‘No, this is not an overreaction. This is what we need,'” said Kobinger, who is on an expert committee that advises WHO’s health emergencies program.

It’s not that infectious disease experts didn’t take notice of what was happening. When something that might be a new infectious disease emerges from China, spines tend to stiffen in this community. China has a track record of being a source of some scary new infections — SARS in 2002-2003; H5N1 bird flu, for about a dozen years starting from 2004; and H7N9 bird flu, from 2013 to 2018. And yet the immediate reaction this time was, perhaps, fairly cautious.

On Jan. 5, a day after STAT published its first story on what would become the novel coronavirus, Michael Osterholm, director of the Center for Infectious Diseases Research and Policy at the University of Minnesota, told me he didn’t think the new outbreak would turn into a pandemic.

At that point Wuhan, the epicenter of the outbreak, was reporting 59 cases. The disease didn’t yet have a name. It would be three more days until China even announced the cause was a new coronavirus, and five days until it posted the genetic sequence of the virus in a global database.

Osterholm, co-author of the 2017 book "Deadliest Enemy: Our War Against Killer Germs,” thought China was going to get a handle on whatever was responsible for the outbreak. Even if the cause was a new coronavirus — as was rumored from the first emerging word of the outbreak — the world had experience controlling coronavirus outbreaks. The SARS virus had been vanquished, and MERS, a related camel virus that causes sporadic human cases on the Arabian Peninsula, had never spread widely beyond it, except for one outbreak in South Korea in 2015.

Within days, Osterholm’s thinking shifted. By Jan. 20, he was warning the 3M Company — which makes N95 respirators — that the virus, in his opinion, would cause a pandemic. The company immediately moved to increase production.

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Coronavirus ghost town: Shanghai has changed since the outbreak

The Shanghai I live in now is not the same city I moved to with my family last summer, before the COVID-19 outbreak. I loved watching poker-faced grannies dancing in synchrony on street corners, dodging swarms of scooters on my bike as hundreds of delivery drivers hurried through the street to satisfy ravenous online consumption, and taking the second longest subway system on earth to more restaurants, cafes and museums than I could visit in a lifetime. To get more shanghai news, you can visit shine news official website.

But then COVID-19, caused by a member of the coronavirus family that’s a close cousin to the SARS and MERS viruses that have caused outbreaks in the past, enveloped us in an invisible fog. Shanghai and the public life that flowed through its concrete veins disappeared. Old Shanghai shopped; new Shanghai stopped.

It is now the world's biggest ghost town, haunted by 26 million fearful souls wearing surgical masks. The streets are almost empty. Roped-off playgrounds gather dust instead of giggles. Aside from grocery stores and emergency facilities, virtually nothing is open. We stay at home following safety protocols: mandatory masks in public, no visitors or deliveries, 3 feet of separation at all times and hand sanitizer, constantly.

Before the virus, elbowing dozens of eager grandparents every day to take my son to kindergarten in a joyous kind of Shanghainese chaos made me feel like a local. After school we would take bikes, trains or buses to shopping mall playrooms, playgrounds packed with kids climbing up slides, Montessori and gymnastics classes or museums.

Now my son stays home, all the time. Instead of school, we have TikTok toddler classes. We read books, watch Netflix (if our network allows), build Legos, make up songs, anything to resist making every day the same. We still go outside, but only when protected by surgical masks and suspicion of the faceless passersby who used to be our neighbors. They might be super-spreaders. We’re told to avoid crowds, but that’s easy — there aren’t any. Roughly 3,000 people live in my complex; I see five or six a day.

This new Shanghai is a place filled with dread and vulnerability, but there is surprising joy, tranquility and hope, as well.When I bike to the store, I’m often the only one on the road. My subway ride to claim my daughter’s emergency passport felt like a chartered trip, as if the city’s infrastructure existed just for me. Never has a city so large seemed so still. Shanghai has become the most peaceful sea of concrete imaginable.

Overcoming anxiety, our neighbors managed neighborliness and brought us fresh vegetables. Forbidden from visiting one another, we met in the lobby for the handoff. It was like meeting Deep Throat, except instead of the smoking gun, he came bearing cabbages.

Public life is gone, as if it is a frilly indulgence rather than a human necessity, and private life has replaced it. We look to each other for intimacy and interaction. Suddenly, I spend 24 hours a day at home with my family. No school, work, shopping or escape has created a void now filled with family and the immediate present. Every day is a new chance to be together without distraction. Our enforced intimacy feels peaceful, as long as we don’t look ahead. There is joy in that. My main responsibility now is to be with my kids. It’s a beautiful blessing shadowed by anxiety.

The last thing my wife and I did in Shanghai before the virus hit was have a baby. What joy, but what a start to life. New mothers in China live a "month of confinement” to recover and cherish those initial moments of life. We feel like all of China celebrated our confinement with us.

But our month is ending. Normalcy is fearfully flickering back to life in Shanghai as the holiday ends and the city collectively tries to live safely without destroying the economy. Shops are tentatively opening their doors like my newborn’s eyes, afraid of the light.

As I put yet another surgical mask on my son’s face and wonder whether today is the day we admit defeat and flee abroad, I accept the truth for myself and my unseen neighbors: We’re in trouble. Even so, I hope we’re humble enough to stay with the trouble and learn from it.

As our month ends, I wonder whether the lessons learned will outlive the virus: Focus on what’s now instead of what’s next, family intimacy instead of shopping dependency, experience instead of excess. I hope so.

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With no approved drugs for the new coronavirus, some people are turning to alternative medicines, often with governments promoting them.To get more news about herbal medicine, you can visit shine news official website.

This is most evident in India and China, densely populated countries with a deep history and tradition of touting such treatments, and where there’s sometimes limited access to conventional medicine.

In India, where a lockdown of its 1.3 billion residents is underway, the government faced criticism after claiming some treatments might help prevent infections. In China, where the pandemic began, officials made unsubstantiated claims that traditional medicine was key to fighting the virus. In Venezuela, where the health care system is severely crimped, President Nicolas Maduro pitched drinking an herbal tea.The World Health Organization had advised against taking "traditional herbal remedies” on its website. It later acknowledged that some were turning to alternative medicine "to alleviate some of the milder symptoms of COVID-19,” WHO spokesperson Tarik Jasarevic said.

Dr. Mike Ryan, WHO’s emergencies chief, welcomed rigorous studies of alternative treatments "like we would of any drug.” He said numerous studies are underway in China, many testing traditional therapies.

"It’s up to the people who make the claim to provide the evidence,” said Dr. Stephen Barrett, a retired psychiatrist who runs Quackwatch, a website about unproven medical therapies.On Thursday, the U.S. National Institutes of Health warned against alternative medicine — including certain herbal therapies and teas — for treating or preventing COVID-19, saying there was no evidence they work and some may be unsafe.

India is steeped in Ayurveda, a Hindu system of medicine that revolves around herbal medicines and dietary restrictions.As the outbreak spread outside China earlier this year, India’s health arm that promotes alternative medicine pushed unproven remedies to "strengthen the immune system,” according to an online post by the Ministry of AYUSH.

Criticism prompted the government to clarify that these remedies were not a cure. Earlier this week, Prime Minister Narendra Modi extended India’s lockdown and asked citizens to "follow the instructions issued by AYUSH ministry to enhance immunity.”The government also recommended a single dose of a homeopathic drug, according to Anu Kapoor, who heads a government-run homeopathic hospital in New Delhi.
The Indian government’s push for alternative treatments for COVID-19, combined with bizarre claims by the elected representatives of the ruling Bhartiya Janta Party that cow urine or dung could offer cures, has also resulted in misinformation.

Last month, Modi spoke to alternative medical professionals on the need to counter unsubstantiated claims that they could cure COVID-19. The AYUSH ministry later issued orders to all states "to stop and prevent publicity and advertisement” of promised cures.

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Luke Jones has 20 years experience in the financial services, investment and infrastructure space. Being a renowned international speaker, author and cryptocurrency trader, he is regularly invited to advise organisations on financial & digital technology. Luke is also the CEO of leading global cryptocurrency asset management platform – FORTIFEX; where he strives to demystify the hype surrounding blockchain and crytocurrency today.To get more news about forex signals, you can visit wikifx news official website.
　　Having a profound and solid experience in the digital startup ecosystem allows him to have an edge in understanding and being able to evaluate and rate upcoming ICOs. He aims to provide the best possible solution for individuals and businesses to navigate the blockchain and cryptocurrency space. He hopes to see both individuals and businesses adopt innovations in a more seamless and lower risk environment.Luke Jones is passionate about cryptocurrency and loves helping people navigate the blockchain and crypto space. MBA qualified, he has spent over ten years trading in the future markets. He is the founder of FORTIFEX, a cryptocurrency asset management platform. Luke specialises in talks regarding cryptocurrency trading, token valuation and speaks often about how to not lose money in the crypto space. He is also a senior member of the Los Angeles based Crypto Council – a private, invite-only community dedicated for top level investors to discover, debate and inspire investments in the crypto space.Luke will briefly cover the fundamentals of how cryptocurrencies work and the various factors that need to be take into account when building a model to calculate their value. He has accumulated over 10 years experience trading for myself in the futures markets and know the best way to trade consistently is by using a consistent system that evolves with the traded market.The recent months have found him in Dubai, Australia and Hong Kong eg. World Blockchain Forum, Skyledger Dubai Conference and more; to demystify the hype surrounding blockchain and crytocurrency today.
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