Five years right to an account Criticism of high basic account fees

Status: 06/18/2021 4:44 p.m.

Everyone has had the right to a basic account for five years. This should help poorer people to get a checking account. It hits hard when banks turn the fee screw in times of negative interest rates. Paying salaries, shopping online, electricity bills – hardly anything works without a checking account. In the past, for example, people without a permanent address or refugees often had a difficult time opening an account. With the Implementation of an EU directive from 2014 The legal situation in Germany changed five years ago: since then, every citizen has been entitled to a so-called basic account. It is intended to give everyone an inexpensive way to conduct banking transactions with a checking account. But the fees for these financial products are increasing – to the displeasure of those affected and the critics. The prerequisite for setting up a basic account is that you are legally resident in the European Union. The account holder receives a bank card and can transfer money. A bank may only reject the application to open a basic account in rare cases, for example if a customer already uses an account with another bank in Germany.

Hundreds of thousands of basic accounts already

According to the latest figures from the financial supervisory authority BaFin, just under 761,500 basic accounts had been opened in Germany by June 2020. However, many institutes are paying dearly for the “Jedermann Accounts”. According to a study by Stiftung Warentest from last December, the range extends from twelve euros to 250 euros per year.

“The success of the basic account is at stake,” warns Julian Merzbacher from the Association of Citizens’ Movement Finanzwende. “Access to an account shouldn’t be a question of the wallet, because it is essential. Other European countries, in which the fees are capped at a low level, show that there is another way.”

Deutsche Bank put in its place

If necessary, the courts have to take action. In the past year the Federal Court of Justice (BGH) ruled in proceedings against Deutsche Bank . A monthly basic price of 8.99 euros and 1.50 euros for a paper transfer as part of a basic account are too high and therefore ineffective, judged the Karlsruhe judges (Az .: XI ZR 119/19). Since then, the bank has had to offer its basic account cheaper.

Fee cap required

In the opinion of Merzbacher’s colleague Michael Findeisen, Germany has only inadequately implemented the EU’s requirements. “The fee regulation urgently needs to be improved,” said the expert to the Protestant press service. The 68-year-old played a key role in shaping the relevant law, as head of division in the Federal Ministry of Finance. Five years later, Findeisen is retired and volunteers for the citizens’ movement Finanzwende.

Findisen demands a binding fee cap from politicians. “It is clear: the banks cannot earn anything with the basic account. But they can cross-finance that with the income from other financial services and products.”

Fee dispute BGH ruling costs banks millions

As of: 06/17/2021 3:40 p.m.

Deutsche Bank and Commerzbank have to set up provisions in the three-digit million range because of the BGH’s fee ruling. Savings banks and Volksbanks do not provide any information. The decision of the Federal Court of Justice (BGH) on possible fee reclaims from bank customers is costing the industry millions. Commerzbank expects charges “in the mid double-digit million range”, which are to be booked in the second quarter of 2021, said the CFO of the Frankfurt group, Bettina Orlopp. The ruling is also likely to have an impact on earnings. However, the bank is sticking to the forecast for 2021 of income above the previous year’s level. Thanks to the income from the IPO of the US startup Marqeta, Commerzbank will be able to offset the burden of the BGH ruling, Orlopp said. The second largest German commercial bank has held a stake in the US company since 2015. The amount of their current share is not known.

Deutsche Bank speaks of 300 million euros

Last week, Deutsche Bank was the first institute to issue an estimate of the possible burdens from the BGH ruling. CFO James von Moltke spoke of a total of around 300 million euros. The bank therefore wants to set aside a provision of 100 million euros in the second quarter for possible customer claims. In addition, the institute expects earnings losses of around 100 million euros each in the second and third quarters.

Von Moltke admitted that the Karlsruhe judges’ verdict caught the banking industry off guard. The burdens and yield losses are only temporary. By the fourth quarter, Deutsche Bank will have found solutions to how it can implement fee increases in accordance with the new rules.

BaFin is sounding the alarm

Savings banks and Volksbanks are holding back with statements about possible charges and provisions. A spokesman for the savings bank association DSGV wanted to respond to the request of tagesschau.de do not comment on the subject. A spokeswoman for the largest German savings bank, the Hamburger Sparkasse, said that there had been very few inquiries from customers about the BGH ruling. Therefore, she could not give any information on possible burdens.

The financial supervisory authority BaFin expects the ruling to have serious consequences for the entire industry. “That has the potential to become really expensive for banks. We would not rule out the possibility of half of the annual surplus being in the order of magnitude, which can stand in the fire,” said interim chief Raimund Röseler in mid-May.

Unclear number of reimbursement requests

However, it is still unclear how many customers actually request the reimbursement of previous fee increases. they have to become active themselves. Industry observers also assume that the financial institutions will examine each application individually, so there will be no flat-rate reimbursement.

At the end of April, the Karlsruhe judges decided in proceedings involving the Deutsche Bank subsidiary Postbank that banks must obtain the consent of their customers in the event of changes to general terms and conditions. The clause according to which financial institutions can assume tacit approval if customers do not object to a change within two months, disadvantageous customers inappropriately. Ref .: XI ZR 26/20

Close to the limit of insolvency According to the director of Sao Viet car company, production and business revenue is almost zero, but every day still has to bear countless expenses such as bank interest; rent for factories, warehouses, salaries to support officials, employees, drivers; road maintenance fees … A series of passenger transport enterprises are in the “swallowing” scene. “Before the epidemic, on average, each month we spent about 3 billion dong on salaries and bonuses for drivers and employees. However, today, even though there is no revenue, we still have to “burden” nearly 1 billion dong/month “- Mr. Bang stated. Not only road transport, the air transport market has suffered the most severe decline ever, prompting the Ministry of Planning and Investment to issue a warning that the solvency of enterprises is declining close to the limit of insolvency. maths. For example, the national airline of Vietnam (Vietnam Airlines), it is expected that the loss of the first quarter of 2021 will be at VND 4,800 billion and in the first six months of the year may reach VND 10,000 billion. Currently, the amount of overdue debt has reached VND 6,240 billion and is in a very difficult situation. Vietnam Airlines has more than 9,000 employees who are on unpaid leave and temporary suspension of labor contracts. Most transport businesses are facing great difficulties due to the Covid-19 epidemic Vietnam Railways Corporation (VNR) also lost 50% of passenger transport revenue in the past 5 months due to people restricting travel, the railway industry had to cut many passenger trains. Mr. Nguyen Cong Hung, Chairman of the Hanoi Taxi Association, said that the number of passengers decreased by 80%-90%, revenue fell seriously, and workers’ lives were difficult. A series of taxi companies are facing the risk of bankruptcy, and bad debts are at high risk of increasing in the banking system. Therefore, recently, the Taxi Associations of Hanoi, Da Nang and Ho Chi Minh City have jointly signed a document to send to the Prime Minister, proposing to support taxi transport enterprises to overcome difficulties before the Covid-19 pandemic. Proposing many solutions Facing the above situation, the Prime Minister has just assigned the Ministry of Transport to consider and propose policies and solutions to support passenger transport enterprises facing difficulties due to the Covid-19 epidemic. to border gates and between regions in the domestic market. According to Mr. Tran Bao Ngoc, Director of the Transport Department (Ministry of Transport), since the outbreak of the epidemic, the Ministry of Transport has proposed policies and solutions to support transport enterprises in difficulty. Regarding the solution to remove the vehicle inspection cycle, Mr. Ngoc said that the Ministry of Transport is amending Circular No. 70/2015 in the direction of adjusting the inspection cycle of passenger cars of all kinds up to 9 seats with transportation business. , adjusted from 18 months to 24 months for the first cycle and from 6 to 12 months for the recurring cycle. In addition, the Ministry of Transport also proposed that the Government delay the time of sanctioning transport enterprises that do not install surveillance cameras due to the impact of the Covid-19 epidemic. Regarding the proposal to exempt road maintenance fees until the end of this year, Mr. Ngoc said that in order to remove difficulties for those affected by the Covid-19 epidemic, Circular 112/2020 of the Ministry of Finance allows to reduce collect road user fees from January 1 to June 30, 2021. “The Ministry of Transport has proposed to the Government to reduce value-added tax to 0%, reduce 50% of corporate income tax for industries seriously damaged by the epidemic. Besides, delay payment of tax amount for 6 months for 6 months. arrears until December 31, 2021 and there is no fee for parking, parking and picking up passengers at the airport, train station, port and 50% discount on service prices through the bus station for passenger cars. sign for new registered vehicles for transport business until December 31,” said Mr. Ngoc. It is still difficult to access support policies As a large passenger transport enterprise in Quang Ninh province, Mr. Doan The Xuyen, director of Phuc Xuyen Co., Ltd., said that the company has over 300 vehicles that have stopped working but still have not been exempted from road maintenance fees because of cumbersome procedures. . For example, to be exempted under the regulations of the Ministry of Finance, the vehicle must stop working for 30 days or more, then return the badge and be certified by the Department of Transport. “You can stop for less than 30 days to be able to run again, then you have to apply for a new badge. Many businesses still have to pay even though the car is not running because they are afraid of procedures,” said Xuyen.

LTS: Working at the first newspaper to charge readers in Vietnam, journalist Tran Tien Duan, Editor-in-Chief of VietnamPlus e-newspaper said that charging readers is a trend of the world’s press. To collect fees effectively, newsrooms must orient the production of content for paying readers that specialize in specific areas and must make a worthy investment to improve the quality of articles. Big, hot issues are at the forefront. VietNamNet would like to introduce the following article of Mr. For online newspapers, revenue is mainly from advertising and media contracts. However, now, there is a big shift when businesses choose advertising media through social media more instead of advertising on electronic newspapers. The transformation of advertising methods and the reduction of revenue is a really challenging economic problem for newspaper leaders. E-newspapers want to survive and develop, they need to find new forms of journalism economy, in which fee collection can be a solution for electronic newspapers in Vietnam. Editor-in-Chief of VietnamPlus Online Newspaper Tran Tien Duan Fee collection at VietnamPlus e-Newspaper There are many newspapers in the world such as Wall Street Journal, New York Times, Washington Post (USA), Financial Times, The Economist (UK), Svenska Dagbladet and Aftonbladet New Media (Sweden), Folha de São Paulo (Brazil). .. had early success with the digital-based fee model, before the growth of online advertising revenue slowed down and even declined in recent years. In addition, a harsh reality that has emerged in recent years is that up to 75-80% of digital advertising revenue flows into the pockets of two giants Google and Facebook. Because of that, newspapers found that they could no longer depend on advertising revenue, so charging readers really became a trend of the world press. On June 20, 2018, VNA’s online newspaper VietnamPlus became the first and only Vietnamese press agency to collect fees for reading content on digital platforms. Every day, VietnamPlus only distributes about 5-10 fee-based articles, including in-depth analysis articles, exclusive interviews, etc., produced by the newsroom itself, or translated under the franchise of major press units. In the world. Because the quantity of news sold is small, it does not affect the provision of essential information to serve readers and still ensures the principles and orientation of the VNA. VietnamPlus is the national foreign affairs electronic newspaper under the VNA. Therefore, the newspaper has many advantages due to the information system of the VNA and from 90 resident agencies at home and abroad. Therefore, VietnamPlus has more advantages when it comes to building specialized and in-depth content for its premium products, creating “commodity” products of high value and use value. Target a wide audience willing to pay to own that unique article or news. Interface of fee collection page of VietnamPlus newspaper The content that VietnamPlus has been collecting fees for focuses on 4 main areas: Politics – society, world, economy – technology and culture – sport. These articles are analyzed from multiple perspectives, and more importantly, have a lot of exclusive information because they are provided quickly, timely, and attractively by resident correspondents abroad. public interest. Regarding access organization, while The Straits Times and other fee-based online newspapers often put both paid and free content on the same website, Vietnam Plus separates the fee to https: //pay.vietnamplus.vn and free at https://vietnamplus.vn. This is to avoid offending readers who are not used to paying for e-newspapers, but will also affect the ability to cross-promote for subscriptions. In the near future, the newsroom is also planning to change it to allow partial reading, creating an incentive for users to be willing to pay. Taking the first step on a new path, VietnamPlus e-newspaper has constantly learned from the electronic newspaper fee models in the world, researched the information needs of domestic readers to build and develop this model. in your own newspaper. Currently, VietnamPlus uses many strategies to achieve its goals: Periodical newsletters, information on specific topics (politics, economics, culture, science) to attract subscribers to target each audience. customers and targeting each specific customer group on Facebook, Google does not use advertising to bring its posted content to potential new customers. Vietnamplus aims to continue to produce high-quality, long-form content such as mega-story, long-form, and not only restrict the content to economic, financial, strategic, and business secrets, but also open it up. other fields such as technology, sports, entertainment, politics, new trends, forecast information… and collect fees from these articles. Some problems raised in electronic newspaper fee collection In the economic activities of journalism, in order to collect fees effectively, newsrooms must orient the production of content for paying readers to specialize in specific areas and must make worthy investments to improve the quality. posts. Big, hot issues come first, otherwise there would be no reason to convince people to subscribe. Because the readers who can afford to pay are often businesses, researchers, press agencies, people with high income and qualifications, they need information from experts, managers, comment on a topics that are important to them. A newsletter from the VietnamPlus e-newspaper Through polling and surveying the groups and individuals that buy information from VietnamPlus, they found that the news sold has a high content of information, going deep into a field or issue that public opinion and society are interested in. Such news they accept to pay for the source of information they are using. Through this, VietnamPlus also determined, selling news must focus on readers, must find a way to determine what their readers need. Readers will spend money when they really believe that they have valuable, quality sources. And the question is: how can we create many “goods” that are attractive enough to users, making them “pickpocket” to pay? Payers buy high-quality content, not cheap. Readers pay for content because it helps them stay informed and post about issues they care about. And readers appreciate the exclusive content they have access to more than ancillary benefits like promotional giveaways when they sign up. Paid readers send a clear signal that news outlets that want growth cannot cut costs. Acquiring a paid audience requires an investment in high-quality content and a focus on meeting the needs of the audience. It is not easy to convince readers to pay when they are used to free information, so VietnamPlus’s pioneering in this field is also to help readers get used to reading paid newspapers. money. Must-know content turns free readers into paying readers. Informative, insightful, specialized content motivates readers to withdraw, which is the key to retaining readers. It is also about turning the habits of readers into our habits, understandable that when readers accept to pay for an information, it means that it is the act of paying for their own habits. Therefore, VietnamPlus e-newspaper also focuses on the habits of its readers. Habits are the best way to increase engagement. In addition, a difficulty in selling news is due to technology limitations. When it was newly built to collect fees, VietnamPlus’s method was still limited to only using mobile phones from a network operator. Currently, payment gateways have been expanded, allowing a variety of other payment methods such as bank cards, e-wallets, QR codes… VietnamPlus is planning to upgrade the payment system. Moreover, the fact that copyright in Vietnam has been a difficult problem to solve for many years. A good article just published in a certain newspaper will immediately be copied in its entirety. If a newspaper has a lock on its special articles and only provides them to paying readers, it is also difficult, because a website that aggregates information only needs to spend a little money to read and ” collage”, then this information will no longer be “poisonous”. Because of these reasons, it is understandable that the trend of charging readers to read e-newspapers in Vietnam is prone to failure right from the start. Collecting money from online readers in Vietnam is very difficult nowadays, but if they want to change the revenue structure, press agencies have to start working. The most important thing is to protect copyright, not to let a good article be cut and pasted by dozens of other websites on your site comfortably. The locking of articles and invitations to buy online newspapers need to be carried out simultaneously in many newspapers to create a positive effect. In 2019, Vietnam’s online advertising revenue was estimated at 648 million USD, of which Facebook accounted for 275 million USD, Google 174.9 million USD, domestic units accounted for only 180.9 million USD.

MU hopes to be able to negotiate a successful extension of Pogba to avoid losing everything next year The French midfielder has only 1 year left on his contract and MU is concerned that he may lose Paul Pogba. According to ESPN, MU will hold talks with Paul Pogba after the midfielder completes his duties with France in the EURO 2020 finals (from June 12 to July 12). However, the leader of the Red Devils is not afraid that Paul Pobga will find a way to leave for free next summer. The reason is because behind Pogba is the “big stork” Mino Raiola, who has a bad relationship with MU and always demands a very high commission fee. There is information, Mino Raiola shouted Pogba’s salary of £ 400,000 / week to renew MU. Currently, the midfielder is earning a salary of 290,000 pounds/week. There are currently no top clubs contacting to buy Pogba but Real Madrid, PSG, Juventus and Barca… will all want Pogba next year! Barca aims to buy Raheem Sterling Barca dreams of Sterling Barca are considering recruiting Manchester City attacker Raheem Sterling. The Catalan team see Sterling as a replacement for Ousmane Dembele. Sport say Barca feel they have an opportunity in this deal and believe they can create the budget (by selling a few players) for at least one major signing this summer. Barca does not have cash, so Barca is likely to find ways to bet more players to reduce the fee. Sterling has a contract with Man City until 2023, but is no longer favored by Pep Guardiola. The British press also reported that he was on the list of likely to be sold this summer. Haaland interested in moving to Chelsea Haaland interested in Chelsea but next summer Despite Dortmund shouting for 200 million euros, Chelsea is said to still approach and ask to buy Erling Haaland. The Telegraph reports that the Norwegian striker is interested in a move to Stamford Bridge, but that will be next summer. For now, Haaland will stay at Dortmund for another season. In a recent statement, Haaland also showed his plans to stay at the Bundesliga team, admitting that if the club did not win tickets to the Champions League next season, perhaps ‘things would be different’. Haaland had an explosive season for Dortmund, scoring 41 goals and providing 12 assists in 41 appearances in all competitions.

Illustration (Source: drupal.org) On June 1, 2021, the Google Photos photo storage service officially stopped storing free photos for users. Users will not be able to store their photos to Google Photos for free, whether storing in high quality or original photos will count towards Google’s default 15GB. All photos stored by users before June 1, 2021 will not apply this change, but only to photos saved after this date. After the specified date, the user will continue to upload images until the entire accompanying 15 GB is full, at which point the user will have to delete the image or purchase additional storage. On the other hand, Google will delete all files in the account when the user is inactive for 2 years. Along with that, Google has also changed the “High quality” image option to “Storage saver”. And of course, this new option will also count towards the user’s free 15GB and the quality of the Storage saver will not be the same as the original image. Pixel phone users will continue to get unlimited free photo and video backups on Google Photos, but for a certain period of time set by Google. At the same time, Google will provide a tool in June 2021 that will allow users to manage backed up photos and videos, the tool will automatically mark dark or blurry images, large videos that users may not be able to see. want to keep, then make a suggestion asking the user if they want to delete it. Google’s new policy will apply to all users Google Photos on all platforms including Android, iOS and desktop. Users are forced to purchase additional Google photo storage. (Screenshots) Thus, after nearly 6 years of “trial”, the Google Photos photo storage service officially charges all users. Users who want more storage will have to buy more for 45,000 VND/month. Launched in 2015, Google Photos is Google’s photo and video sharing and storage service. Google Photos is rated as one of the photo hosting service the world’s best when allowing users to upload images and videos with unlimited storage space (images with reduced quality compared to the original image).

In particular, the number of attacks on Vietnamese enterprises fell sharply, from 536.6 thousand cases in 2019, to 204.7 thousand cases in 2020. This pulled Vietnam’s ranking to 11 worldwide. , improved from the 7th place in 2019. In Southeast Asia, Singapore remains the country with the least number of detected attacks, ranking 78 globally. However, out of six Southeast Asian countries, Singapore is the only one experiencing an increase in the number of ransomware infection attempts. Number of detected cases increased from 2,275 in 2019 to 3,191 in 2020. Number of attacks on SMEs detected by Kaspersky in Southeast Asian countries. Although Indonesia still ranks 5th globally in terms of the number of ransomware incidents detected, the country has dropped from 1,158,837 cases in 2019 to 439,473 cases in 2020. This downtrend also coincides with export. currently in other countries in the region including the Philippines, Malaysia and Thailand. China remains at the top of the list for the number of ransomware cases globally in both 2019 and 2020. Meanwhile, Brazil and Russia have swapped the 2nd and 3rd place in the rankings, with Brazil currently ranked 2nd by 2020. Ransomware is designed to infect organizations and individuals’ computers, encrypt the internal data and block access to the computer. The attackers will then request a fee from the victim in exchange for re-activation of the system. Ransomware attacks may be on the decline, but Kaspersky has been warning businesses of all sizes in every sector about the growing activity of ‘Ransomware 2.0’, also known as software. targeted extortion. In the new method, the criminals do not ask for ransom to unlock the data, they threaten to publicly disclose the data they hold, adding pressure to the victims to pay the ransom to protect their reputation. .

The tourism industry is still down – travel warnings and quarantine regulations dominate the picture. In the middle of the crisis, the TUI Group is pushing ahead with a new fee model. Anyone who visits a travel agency of the provider has to be prepared for higher costs. From mid-May, Europe’s largest travel company will charge a “service fee” for advice and extended services.

The compilation of detailed offers, performance comparisons or further information on destinations and entry requirements should then be subject to a charge, as the group announced. According to the company, TUI wants to send a signal that extensive advice has its price. On the other hand, the concept is intended to attract those customers who continue to value personal preparation and security for their trip. A basic tariff for 15 or 29 euros – depending on the total travel price – is planned, for which customers should receive a detailed offer or an “individual travel concept”. At a price of 25 or 39 euros, the company also offers “support with special concerns” or reservations for activities in the hotel. Certain basic information should remain free of charge.

“It’s time”

TUI is evidently aware that the timing for the announcement could be tricky: The introduction of additional fees is not without risk, according to the company. “But the time has come and we have to try it out now.” According to TUI, the price model was discussed internally for a longer period. The fee should also cover the otherwise unpaid effort that arises when some customers obtain extensive information in the branch and then book elsewhere. The DER Touristik travel agency chain also introduced a flat-rate service last November. In the basic version, with a travel price of up to 500 euros, it is 15 euros per booking. With a booking value of more than 500 euros, 30 euros are due. The provider charges up to 49 euros for other services such as seat reservations or booking wellness activities.

Chengdu is an important town in Southwest my country. In recent years, it has developed rapidly, its economy is getting better and better, and its urban construction is also changing with each passing day. In recent years, it has also been doing well in tourism and has become a popular tourist city with a high status in tourism. The top of the list. So after staying in Chengdu, I most want to eat Sichuan Sichuan food, just walk around. 1. I visited Daci Temple in Chengdu first. It feels very similar to Jing’an Temple in Shanghai, but there is no charge here. Daci Temple is located in the downtown area of ​​Chengdu, which can be called the center of Chengdu’s city center. Daci Temple is also an ancient temple with a long history. It is said that Master Xuanzang was ordained in this temple and is also known as “Aurora The first jungle”. This monastery is very large and is located in the city center, so there are many tourists, many letters and incense. In fact, I have been here in 2015, and I am still familiar with it. Especially after a few years, there have been some new buildings and changes in the temple, but the temple is still free. Do not buy tickets. This reminds me of the Jing’an Temple that I visited during my visit to Shanghai in January. The two are very similar. Both are in the downtown area, but the Jing’an Temple costs 50 yuan, which feels a bit too much. So I think Daci Temple is more friendly to the people, there are many tourists, the incense is also prosperous, the temple is beautiful, it is worth seeing. 2. When visiting Daci Temple in Chengdu, I did not expect that there is a very good tea shop: Daci Tea Garden. There is an important common people’s culture in Chengdu, that is, tea culture. Therefore, there are many tea shops in Chengdu, and you will even see many tea stalls on the street. There is also a tea shop in Daci Temple: Daci Tea Garden. The tea garden is located in the Daci Temple. The environment is very good and quiet. There are several kinds of tea, and the quality is good. The price is 30 yuan per person, which is small and expensive. There happened to be a performance that day. I thought it was a Sichuan opera at first, but it said “Sichuan Qingyin” on the stage. I don’t know what it was. Later, the staff told me that there would be performances only on Wednesdays. I was lucky enough to encounter it. Daci Temple is located in the central area of ​​Chengdu. Tickets are not required here. The environment is very good. Friends who recommend to visit Chengdu should come to see it. And drinking a cup of tea, listening to Sichuan music, Sichuan music, holding a bowl of tea, and with the ups and downs of the music, it must be a good choice and taste the life of the Shu people. Anyway, I sat all afternoon and poured some tea… 3. Checking in Taikoo Li, I did not expect that Apple and Nike stores are still very popular. After visiting Daci Temple, I had an afternoon tea, and then went to visit the famous Taikoo Li in Chengdu. This is definitely a high-end consumer place. Visitors need to take their temperature and show their health code when entering the streets. Although there are not many people, there seems to be business in each store. You can also see the consumption pattern in Chengdu. There are a lot of famous brand stores here, and world-class luxury brands are also particularly conspicuous and dazzling. The most eye-catching ones are Apple and Nike stores, which have a lot of customers. I am a little bit emotional when I think of boycotting them not long ago. But I am not interested in this kind of place, mainly because my consumption ability can’t keep up, so I go around and watch the flowers. Even if I have been there, I don’t know if others have my “check in” mentality. Finally, I went to the surrounding “Long Chaoshou” and ate a bowl of won stew, and came back beautifully… 4. Many temples in Chengdu do not charge any fees. Why does Qingyang Palace require 10 yuan tickets? In Chengdu for two days, there is no charge for visiting Daci Temple and Wenshu Monastery, but you still have to buy a 10 yuan ticket to visit Qingyang Palace. Qingyang Palace is a Taoist site. It was built here very early, but it was repeatedly destroyed by wars. The existing buildings were all built during the Kangxi period of the Qing Dynasty. I visited here in the winter six years ago. At that time, the ginkgo trees in the garden were very beautiful. I stayed for a long time and took a lot of photos. At that time, Qingyang Palace collected tickets. I didn’t expect to keep collecting it like this. Is the fee a Taoist venue? This time, because I was already familiar with it, I felt that there was no major change, so I didn’t stay too much. The biggest change here is that there is more room for drinking tea and there are more people, but instead of drinking tea here, I chose to go to Wenshu Monastery for tea. There are two monasteries that do not charge, Daci Temple and Wenshu Monastery. Tea was paid 30 yuan and 18 yuan, while Qingyang Palace only cost 10 yuan to buy tickets. Later, someone said that although Qingyang Palace accepts tickets, the tea inside is cheap. Unfortunately, I didn’t taste it. I don’t know the specific taste and price. Who knows why the Qingyang Palace continues to accept tickets? Some people say that the incense of teaching Buddhism is very strong, so Qingyang Palace is not rich, maintenance and management need money, and the 10 yuan ticket is not much, everyone can accept it, right? 5. Chengdu Wenshu Monastery is a provincial-level cultural preservation unit, but there is no charge here, and visitors can enter at will. As mentioned earlier, Daci Temple does not charge tickets, and there is also an important monastery called Wenshu Monastery, which does not charge any fees. Wenshu Monastery is located in Qingyang District, Chengdu, and was built during the Daye Period of the Sui Dynasty (605-617). It was rebuilt in the thirty-sixth year of Kangxi (1697) and renamed Wenshu Monastery. It is one of the national key Buddhist temples designated by the State Council, the first of the four major Buddhist forests on the upper and lower reaches of the Yangtze River in China, and a key cultural relics protection unit in Sichuan Province. In fact, there is a place for relaxing tea here, the price is lower than that of Daci Temple (maybe there is a reason for the performance). I sat down and asked for high mountain green tea for 18 yuan. It feels so-so, the most ordinary tea. It’s even lower while drinking. In addition to the environment, the service here is also poor. You have to make your own tea, which means you will be given a set of tea sets and a bag of tea after you pay, and then you will find a seat and make tea with water. Chengdu people like gaiwan tea. Soon I discovered that some people use tea sets differently from mine, and there is more than one person. I quickly thought about my own, and finally confirmed that I was right, and the wrong person was someone else, and see if this one is wrong. . However, something embarrassing still appeared. Suddenly something fell from the sky and hit my pants. I was puzzled. I looked up and saw a bird. I understood that it was bird dung. Fortunately, I didn’t fall into the teacup… I can’t sit still, I want to go back and wash my pants…

The investor of the BOT Binh Loi – BOT waterway project in Ho Chi Minh City, with a total investment of about 1,300 billion VND – would like to stop the project without collecting fees. The reason given is that due to capital and port problems, the project is unable to collect fees as originally planned, and has no source of payback, so it asks the state to buy back. Binh Loi railway bridge before being dismantled. Photo: VNN Looking at the above reasons, Mr. Tran Do Liem – Chairman of Vietnam Waterway Transport Team said that it is very not good. “The investor of the project is in a stuck position, unable to recover capital, so he wants to return the project, not the state to buy back,” said Liem. The jam of the project according to Mr. Liem’s ​​analysis is that there is no port for toll collection. “As analyzed by the investor, in order to payback for the project, ships must go from Binh Loi railway bridge to Ben Tuc port and vice versa, as such, a fee will be collected when the vehicle enters the ports of An Son, Ben. Cuc and Rach Bap (Binh Duong). However, at present, An Son port has been partially built, Rach Bap port has not yet invested, and Ben Tuc port is being abandoned so there is no port for toll collection. Moreover, the investor has to borrow capital for the project, the interest the bank is having, but the project does not have a port to collect fees … the investor is having a hard time, “Mr. Liem said. From the above story, Mr. Liem also raised the question: Why is a project worth trillion dong being invested but there is no specific plan, no plans to collect fees and payback but still can do it? Answering the question above, Mr. Liem said that the project is the result of “just ask for”, “just do and count”. This needs to look at the responsibilities of both sides, because the investor himself, when implementing the project, has to fully calculate the possible options, can not have anything done, can not collect. capital return, ask for repayment. Who will take responsibility? Sharing with the difficulties of the business, however, pointing out two reasons that the project implementation was wrong from the beginning, Mr. Liem emphasized the reason why the project management board had to apply for the project to return. by the “get it, take it up to it” mindset, very strange. “First of all, it must be repeated since the information that Binh Duong province has approved the BOT fee collection plan for the Saigon river channel (the section from Binh Loi iron bridge – Ho Chi Minh City to Ben Tuc port – Binh Duong) at the price 70 VND / ton / km I said that this fee is unreasonable, it was wrong to start the project to renovate and upgrade the Saigon river channel and build a new Binh Loi iron bridge and collect the payback fee in the first place. It is unreasonable for the transport companies to use only part of the function of this river channel but have to bear the full fee to pay the investors back. Furthermore, water transport companies only use the Saigon River channel to move vehicles to Ben Tuc port but have to pay a payback fee for the construction of the Binh Loi iron bridge. This is like upgrading, covering a section of the road and then blocking the toll collection route as in road BOT projects. Next, the approval of the project without taking into account the plan of exploitation and reimbursement to the investor is wrong from both the investor’s side and the state management agency. The thought of applying for a project with a project or obtaining a project has led to the current confusion. Looking at the mining potential, there is absolutely no future. Inland waterway toll collection is vague, there is no specific regulation or specific price level. In addition, the source of vehicles to Binh Loi iron bridge mainly comes from Dong Nai, not much, plus the high fees will cause vehicles to find other ways. The mindset of both project execution and calculation is very dangerous, and both the investor and the management agency must be responsible, “said Mr. Liem. With this project, Mr. Liem said that it was a “good thing” and could not be stopped anymore. Therefore, both sides have to sit together, remove difficulties, find solutions to put the project into operation. It is more important, according to Mr. Liem, to handle responsibilities seriously with individuals and organizations involved in this project. “Obviously there are signs of asking – giving, a project does not have enough conditions to exploit business, has no plan to collect fees, the ability to recover capital but still deployed is emotional, irresponsible. This must be considered, clarified, responsible, wrong, wrong one must handle. The handling of responsibility is to avoid asking for messing around, causing waste, frustration, “he said. Integrity emphasized.

As one of China’s outstanding traditional arts, bonsai is also known as “three-dimensional painting” and “silent poetry”.

However, for many beginners, it takes certain skills and accomplishments to make an exquisite bonsai. Skills are easy to learn, but the key difficulty lies in literacy. This cannot be done overnight, it requires bit by bit accumulation.

Today, I will take you to Yangzhou Bonsai Garden, a classical garden where thousands of fine bonsais are displayed.

The city of Yangzhou is really suitable for the temperament of classical gardens.

Yangzhou, which faces the Yangtze River in the south and the Grand Canal in the Spring and Autumn Period in the east, can be traced back to 486 BC. The beauty of its scenery, the wonders of scenery, and the prosperity of culture have made poets extremely concerned about and lingering about it.

“There are three bright moon nights in the world, and the two rogues are Yangzhou”; “The old man quits the Yellow Crane Tower to the west, and the fireworks go down to Yangzhou in March”; “Just ask the partners in Jiangnan, who is like me and drunk in Yangzhou” … countless poems singing the beauty of Yangzhou, Fresh or tactful, it has been passed down for thousands of years. Of all the cities in China, Yangzhou may only be so special.

In Yangzhou Slender West Lake Scenic Area, there is a bonsai garden. This is a professional bonsai garden of one of the five major schools of bonsai in China. It has the characteristics of “different levels, strict and stable”, “three bends in one inch”, and the shape of “clouds”, which is amazing.

The predecessor of the bonsai garden was the Guyun Garden in the early Qing Dynasty. It is a pity that I haven’t found much information about this garden.

The current bonsai garden was opened to the public in 1986 and covers an area of ​​about 5 hectares. It mainly includes four scenic spots: “Juanshidongtian”, “Xiyuan Qushui” and “Hongqiao Repair”. Another scenic spot, “Green Yangcheng Guo” has not been restored.

In addition, there are more than 40 ancient bonsais in the bonsai garden, many of which are unique in shape and exquisite craftsmanship, which are very precious. Most people come for these bonsais, but in fact, just looking at the garden itself is also extremely beautiful.

In the early spring of March and April, the bonsai garden is full of gorgeous flowers.

Look, there is a wooden boat parked by the winding river. The willow trees on the shore just sprouted and swayed gently in the breeze, and the strands of green were rendered just right. In front of the willow tree, there are three or two peach blossoms, one peach-pink piled up on the branches. One green and one red, set off each other, spring intoxicating.

Here, the naughty branches and leaves are slanting out, the full flowers are particularly eye-catching, and the background buildings are full of primitive connotations.

The first in the middle of the park is “Juanshidongtian”. The whole attraction is connected by water inside and outside, and connected by a long corridor.

“Juanshidongtian” is one of the twenty-four scenic spots in the northern suburbs of Qianlong. The name comes from the “Book of Rites”: “Today’s Fushan, there are so many stones in one scroll, and its vast vegetation, where animals and animals live, and treasures .It means to build a cave house where gods live with a stone like a fist.

Therefore, the most worth seeing of Juanshidongtian is the outdoor rockery. The mountains and rivers here are interdependent, with strange mountains, strange rocks, and quiet caves. The caves return from the peaks and the clear springs revolve, just like a fairyland. You can enjoy the wonder of “there is a hole in the hole, there is sky in the hole; there are holes in the water, there is sky in the water”.

The central and western part of the park is the “Xiyuan Qushui”, where the waters of the Slender West Lake and the South Lake and the Beicheng River meet, so this place wins with water. Along the water along the road are characteristic buildings of the Ming and Qing dynasties. There are Songchu Hall, Xuanluo Water Pavilion, Fuliu Pavilion, Nanyi Shifang, Huanxiang Pavilion and so on.

The central and southern part of the park is the “Hongqiao Renovation”, which is the former site of the “Hongqiao Garden”. During the Shunzhi period of the Qing Dynasty, Wang Shizhen, an official of Yangzhou, once repaired the Hongqiao here, leaving behind the famous “Yechun Quatrains”. Under the blue sky, the black and white buildings are extremely simple, and the flying corners of the canopy are smooth, and you almost have to wonder if you have crossed.

When you walk around in the bonsai garden, you can feel the endless variety of landscaping methods in Jiangnan gardens. The curving cobblestone road is facing a low wall, outside the wall is the unstoppable dense spring.

The stone steps between the bamboo forests seem to be walking in spring in the mountains. Even the breeze brings the freshness of bamboo.

Although the stone-built tunnel is a bit depressing, at the end is the opening of another village.

If you have enough leisure, you can also take a cruise to visit the bonsai garden.

The magnificent painting boat drove smoothly on the water, and the scenery on both sides rushed to people’s eyes through the windows. The green trees and red flowers are full of vitality. After a long time, you will be infected by this liveliness.

Don’t forget, the focus of the bonsai garden is naturally bonsai.

Yangpai bonsai has a long history and unique style, and is listed as one of the five major schools of bonsai in China. The boutique area in the bonsai garden displays more than a thousand bonsai pots, including past award-winning bonsai works, and even several pairs of bonsai from the Qing Dynasty.

As a professional bonsai garden, Yangzhou bonsai garden is as famous as Xiyuan in Guangzhou, Du Fu Thatched Cottage in Sichuan, Longhua Botanical Garden in Shanghai, and Wanjing Villa in Suzhou. They are decorated with ancient and elegant works of art.

When you look through the flower windows on the white wall and see a pot of unique bonsai, even if the size is not large, you can still use your imagination and associate it with many stories. This special landscaping method consciously “borrows” the scenery outside the window into the scope of the view inside the window, plus the unique lines of the bonsai itself, which together constitute the charm of Yangzhou Bonsai Garden.

The bonsai garden is now open for free, so many Yangzhou locals like to come here and enjoy the comfort of life.

The sword-dancing mother is brave and brave, and her limbs are so flexible that she can’t tell her age. The long sword cut through the air, leaving beautiful curves.

Here the uncles formed a folk band, and the melodious music can be heard far away, echoing in the bonsai garden.

The pipa, the erhu…the traditional Chinese musical instruments turned into touching notes in their hands, and they combined with the scenery of the bonsai garden, which made people feel relaxed. I really envy them that even though they are old, they still enjoy the state of life.

After walking through the bonsai garden, I suddenly felt that Jiangnan gardens can really be so beautiful, you should take a look at it yourself.

travelling guideline

Address: No. 12, Slender West Lake Road, Hanjiang District, Yangzhou City

Traffic reference: Take bus No. 18 to Shitasi Station and walk 1.1 kilometers to the Bonsai Garden

Tickets: Free

Opening hours: open all day

I am Yan Leng

With an interesting soul

I keep walking on the road

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