Wrong interest calculations BaFin is taking action

Status: 21.06.2021 5:08 p.m.

Premium savings contracts have long promised savers big money. However, in the low interest rate phase, many banks corrected the promised profit commitments downwards. BaFin is now intervening – in the interests of customers.

From Ursula Mayer, Mr

The Federal Financial Supervisory Authority BaFin obliges banks and savings banks to inform holders of premium savings contracts with a variable interest rate about ineffective interest rate adjustment clauses. To this end, the authority has published a general order – which is considered a sharp sword in the financial sector. The financial institutions must also explain to savers whether they have received too little interest as a result of the ineffective clauses. In this case, either back payments beckon or the banks can offer customers modified contracts with an effective interest rate adjustment clause. The changes apply retrospectively and also compensate for insufficiently paid interest in the past. According to BaFin, at least 247 banks and savings banks are affected. The total amount is open.

So far, banks have stood across the board

In the period between 1990 and 2010 in particular, the financial institutions offered a large number of premium savings contracts. These long-term contracts contain clauses that allow financial institutions to unilaterally change the guaranteed interest rate. They often did that in the low interest rate phase and cut savings rates, in some cases massively – at the expense of their customers. The Federal Court of Justice has meanwhile classified the clauses as ineffective.

BaFin Executive Director Thorsten Pötzsch refers to this in the general decree. He speaks of a “grievance” for consumers, which BaFin wants to remedy in terms of collective consumer protection. “We ensure that affected customers are comprehensively informed and legally treated,” says Pötzsch. Because for more than a year the supervisors have been trying to find a solution with the financial institutions in the interests of the customers, even at a round table – so far without success. The general decree shows that BaFin’s patience has come to an end.

Hundreds of thousands of customers affected

“We are assuming that banks and, above all, savings banks have concluded hundreds of thousands of premium savings contracts nationwide,” says financial expert Andrea Heyer from the consumer center in Saxony. She and her team have specialized in recalculating such contracts. More than 7700 customers from all over Germany have already contacted us.

As the consumer advocates have calculated together with experts, the financial institutions have calculated the interest rates too low for years in almost all cases. As a rule, consumers were unable to understand how they set the variable interest rate. Often the financial houses have lowered interest rates too much, in too large interest rate steps downwards. “Depending on the case, those affected are entitled to additional payments of a few hundred to over 40,000 euros in individual cases,” says Heyer. In this respect, she welcomes the fact that BaFin is now intervening – that is an important signal.

Suddenly it was 15,000 euros less

Karina Rother from Frankfurt, for example, signed such a premium savings contract at Frankfurter Sparkasse in the 1990s and wanted to do something for her retirement with it. “The Sparkasse promised me that with a term of 25 years it would really be worth it for me,” says Rother. She promised the customer steadily rising interest rates and ever higher cash rewards.

Rother assumed that she would get around 77,000 euros in the end – as it was calculated in an advertising flyer. Suddenly it should be around 15,000 euros less. In the end, she agreed with the Sparkasse on an extra payment of around 4,000 euros – but, says Rother: “It annoys me that a public institute in particular causes such trouble, even though it is in the interests of the company ‘Joe Bloggs’ should have in view. “When asked, the Sparkasse did not want to comment on the case because of banking secrecy.

Savings banks oriented towards the common good have a duty

Julian Merzbacher, consumer protection expert of the citizens’ movement Finanzwende, also sees the savings banks in particular as having an obligation to finally act and to approach customers on their own initiative. “It is a cheek that the public welfare-oriented institutes have so far mainly relied on the time factor and statutes of limitations when it comes to saving premiums”.

The general decree of BaFin also explicitly refers to contracts that have already been terminated. But the extent to which claims from customers are already statute-barred – or maybe not – is not a matter for BaFin, it says there, but the courts would have to clarify in case of doubt.

Big incomprehension among the banks

However, the credit institutions now have four weeks to appeal against the general ruling. This is currently being checked, according to the Deutsche Kreditwirtschaft, the umbrella association for the banking industry. “It is astonishing that the Federal Financial Supervisory Authority is pre-empting the courts,” said a written statement.

Because there is still another judgment pending at the Federal Court of Justice, according to which specific criteria banks have to adjust interest rates in long-term savings contracts. When this decision will be announced is not yet known – consumer advocates are expecting the verdict in the fall. And of course the German banking industry wants to take this into account, according to its own statements.

Don’t just accept comparison offers

But just waiting until then is not an option, according to BaFin. After all, it is uncertain when a decision by the Federal Court of Justice can be expected, according to the general ruling. As a result, the situation is unnecessarily prolonged for the financial supervisors, and consumers should now be informed urgently.

With a view to the general ruling, consumers do not have to do anything at first. However, you should pay attention to whether you will soon receive mail from your house bank regarding premium savings contracts or not. If comparative offers are made, consumer advocate Heyer recommends having them checked so that no saver is taken advantage of

“Before starting the workday, military doctors tested my food in the lab. I have to wait for their permission to set the table for the president under close supervision,” said the French chef. Former French chef Jerome Rigaud of the Kremlin. (Photo: Instagram) In addition, Mr. Rigaud also revealed that he hosted a reception for the Russian elite of up to 2,000 people, but noted that he was obliged to keep the state secret, so he could not give details about the publicity. his job in the Kremlin. “Russians are very sincere people who like to sit at the table for hours. Hunger has left a mark on their memory, and therefore they never throw away their bread and respect the food.” The French chef further explained, the party usually starts with vodka, then the dishes appear and continue until the end of the meal. The French chef admitted he was really surprised that no one invited the Russian chef to France. According to Mr. Rigaud, they have reached a high level and should have received 1 or 2 Michelin stars (the highest honor in the international culinary industry). The press secretary of the Russian leader Dmitry Peskov also commented that Putin is a modest person in eating, he avoids flour products. Before that, in 2020, Mr. Anatoly Galkin, the Kremlin’s head chef with more than 30 years of experience, knew very well the culinary preferences of many Kremlin bosses, starting with General Secretary Leonid Brezhnev to to future Russian Presidents. “Vladimir Vladimirovich Putin is nothing ‘supernatural’, he likes minced meat, lamb, veal, sometimes he eats a piece of fish,” Galkin said. El Confidencial newspaper also previously revealed President Putin’s diet in a study on obesity in world leaders. Specifically, Putin has a body fat percentage of 25.7%. Putin’s standard diet consists of lean meat, fish, fruits, vegetables, whole grains and eggs. President Putin tries to avoid processed products and alcohol, however, if there is a party, he will choose wine or beer. According to the press, he often gets up late and combines breakfast and lunch into one. Putin’s breakfast is usually very rich, including: omelet or drink raw quail eggs, dried fruits and vegetables, buckwheat porridge, Altai honey. With dinner snacks like dairy products or yogurt. Such a diet helps Putin stay in top shape, he regularly plays sports such as swimming, martial arts, skiing and hockey.

“I wanted to convert the plane into an RV (Recreational Vehicle) since I was 12 years old, after watching a TV show. Until I served in the Air Force, I always thought one day. will make it happen.” It took Gino about a year to build his dream mobile home by himself. Almost every day, he slept very little because he was excited, thinking about what to do the next day. Gino manually converted the plane into a mobile home. Parts from old aircraft are used by Gino and fitted into the car such as light switches, intercoms to decorative details. The engine part was taken from an old truck. In addition to the main parts, the bathroom area, the kitchen with a microwave oven is also fully installed by Gino and tries to keep the space and layout of the plane. He also turned what used to be the cabin crew area into his youngest son’s aviation-themed bedroom. Despite its unique shape, Gino’s 27-square-foot RV is still roadworthy and legally licensed in all 50 states. The RV is fully equipped and meets the traveling conditions. Since completing renovations in the summer of 2020, Gino has taken his family on many trips across the United States. When traveling on empty and wide roads, he feels like he is actually flying an airplane. “Children are often surprised and curious about the shape of the car, many veterans are also interested and start a conversation with me. It’s very happy to see that people like my work.”

Along with that is the hobby of wearing pink clothes, from clothes to accessories, cars are absolutely this “banh beo” color, so if it is said that beauties still have a preference for boys, many people must will be very surprised. Recently, in the latest vlog, Ngoc Trinh “confessed” that she is very fond of “men” accessories. There is even a ring that is too large, so long legs have to wrap paper to fit… Although I have inserted more paper, it has to be inserted in my thumb to fit. The necklace that Ngoc Trinh compares to… the shaver is actually an item for men. She often mixes it for personality outfits. In terms of costumes, sometimes, she also wears loose-fitting designs, like men’s clothes. Comfortable chemise styles, tied with flaps, unbuttoned indifferently showing off the slim waist. The black suits bring the image of a luxurious “mastermind”. Every time she “dresses up” in this style, the lingerie queen receives many compliments from the audience. From time to time “change the wind”, Ngoc Trinh is still beautiful. The vest is super wide, covering the hands and not covering the beauty of long legs.

Therefore, she once thought about buying land to build a villa, to have a spacious kitchen, to satisfy her passion. She and her husband have meticulously planned the design ideas and construction time. However, as time passed, she felt that the apartment of more than 100 square meters in her current apartment was enough and better for her family. Especially, being close to relatives (her brother and sister live in the same building). This apartment, she herself designed the design ideas, bought each decoration by herself, so she felt very attached and enthusiastic. She divided into zones, meeting her hobbies of cooking, reading, playing music, collecting and golfing… The female owner invests a lot in the kitchen. “My wife and I have the same opinion that if you like to eat something somewhere, you will definitely be able to make it at home and invite your loved ones to experience it,” Huong confided. Some pictures of Ms. Huong’s small nest: The corner displays bags, water bottles, balls and golf clubs. “I love golf because it’s a sport that gathers a lot of skills and principles, requires a great deal of patience. I also want to let the two children learn a lot from this sport. Beautiful little shelves for children. Starbucks vases I’ve been collecting for 11 years,” Nguyen Huong said. The living room is also a place to play for two children. On the TV shelf, Ms. Huong displays comics, books and mugs. Minimalist gray sofa is suitable for families with children, because it is less dirty. Although the living room balcony is small, it is enough for the owner to grow a lot of flowers and herbs or sip a glass of wine on a cool evening. The 30-year-old woman loves music, so she has a corner for a piano next to the sofa. The “chill chill” corner on the balcony for romantic moments of the female owner. Tables and chairs for drinking wine on the balcony are made of iron with anti-rust paint, no worries about weather causing damage Kitchen corner inspires cooking to each family member. Huong’s kitchen uses light pink, gray and mint green colors, making the space more airy and spacious. The owner has a hobby of making cakes, so the oven is always fragrant. Cooking at home helps Ms. Huong take better care of her family’s nutrition. Although the kitchen is small, it still has a long dining table overlooking the living room. The kitchen wall is a shelf for baking trays. Here, Huong can cook, play with her children or work together at a long table overlooking the green grass. Bathroom in the master bedroom. Bathtub for swimming floats and toys, serving 2 children during the holidays. “I like to capture moments like these of my children, not arranged, not organized, but looking back, they are very lovely,” Nguyen Huong said. Home is the place to go. The window serves the mother’s working days at home and the living room serves the two brothers to play during the epidemic break. The master bedroom has nothing but a 2mx2m bed. The children have their own rooms but still sleep with their parents until they enter grade 1. Outside is a chill corner whenever Ms. Huong wants to practice guitar without bothering anyone. Huong’s floor goes directly to the playground and green space to walk on, so she always feels like staying here more than a villa.

Rich people can invest hundreds of millions or several billion to have a dream house, people with little money need only a few tens of millions to “turn” apartments into virtual living corners. Nguyen Thanh Luan, a 9x working in the photography and videography industry, “foresaw” the complicated epidemic situation that would lead to an increase in the number of days at home, so he was determined to invest in renovating the indoor entertainment corner. Having inherent aesthetic taste, you have decorated by yourself, creating your own satisfactory corners. Thanh Luan said: “This house is decorated by myself quite simply, collecting a little bit from each place, except for electronic equipment, everything has not cost 30 million, so it is also a small pride of the people. 9x poor like me.” The sunlit living room is the centerpiece of the apartment The living room is airy and full of sunlight, so Thanh Luan only has a sofa, a simple tea table and a neutral gray papasan chair. The plus point for this room is that there are a lot of trees, creating a feeling of green and harmony in the space with a slight vintage direction. Thanh Luan does not spend too much money on furniture, he chooses to invest in a Lifestyle TV that suits the creator’s taste. “I chose the Samsung Serif TV to not only entertain but also play the role of an interesting decoration. With the feature of automatically turning into a super-sharp picture in standby mode, many friends who come to the house do not even realize this is a TV if there is no reflective direct light, leaving the picture to themselves. Friends watching is also quite interesting. In addition, there are also 2 ways to put it on the table or attach the TV stand as a mobile gallery, so it is easy to change to reduce boredom. This is what Thanh Luan wrote in the contest “Addiction to the house with taste, win very cool gifts” of the Addiction House group on facebook. The contest has attracted hundreds of participants with extremely attractive prizes with a total value of more than 60 million. In addition, all participants in the contest receive an accessory for the Lifestyle TV they already own. Another corner of the living room with the “transformation” of the Samsung Serif TV The bedroom has large glass walls, creating a feeling of openness and spaciousness. In the style of nature, Thanh Luan put a lot of trees in the house The home is full of light, modern and comfortable Also 9x, Linh Doan and his wife in Hanoi – owners of 2 fashion brands – are living in a duplex apartment. The first floor is the living room, kitchen and baby’s room. On the 2nd floor is the couple’s bedroom, office and worship room. Linh Doan shared about the style of the apartment: “Home is the home, the most peaceful and comfortable place when we return. Working pressure, hard work, stress every day, I just hope at the end of the day I can go home to rest and have fun with my husband and children. My husband and I are both first generation 9x, like modern and simple house style. I choose light colors for the house, finishing it simply because I have a preference to change the decor according to the season. With just the right investment in furniture and electronic equipment, the house is a warm, interesting and full of positive energy for us every day.” Home is the home, the most peaceful and comfortable place when we return Linh Doan added: “For the bedroom, I chose The Frame – a picture frame TV in the bedroom of the couple because I was fascinated at first sight when I saw it. More specifically, I really like the feature of changing pictures every time the TV is turned off, the picture frame TV becomes a decorative painting on the wall, not a simple black screen TV! The company also constantly updates famous and diverse paintings, so we have a lot to choose from! The picture frame TV I chose accidentally has a frame color that matches the tone of the bedroom, so I am very satisfied with my choice.” Linh Tran’s living room is also one of the excellent apartments thanks to The Frame TV. The color of the frame also matches the tone of the interior of the house Samsung’s Lifestyle TV line of products: The Frame 2021, The Premiere, The Serif, The Sero, and The Terrace have made a special impression on users around the world, contributing to the aesthetic taste and exaltation. architectural lines of living space. A TV is not just a TV, but a work of art.

When they love each other, even though they live in two places, they always have fun conversations about what they want to do in the future. Especially both love nature, want to do something on the countryside land. The couple came together from a love of gardening. “I started to get inspired about gardening, growing plants, producing food after going to the farmers market in the city every week,” Lauren shared. She then learned about the benefits of growing her own plants, cooking broths from fresh produce, and baking. After marrying Tyler, the two together continued to study nutrition and transmit useful gardening information to many people. Returning to the town is not as vibrant as in the city, the couple feels like they are enjoying the life that is exactly what they both wanted for a long time. Tyler shared that the two chose to live on the east coast of Australia, with more than 4 hectares of land for farming. In addition to planting trees, the couple is also interested in improving the natural ecosystem, avoiding harm or killing beneficial insects. One of the natural ways to prevent plant pests is to keep ducks and chickens around the garden. In addition, they also raise a few sheep. The couple said: “We live in the tropics so high temperatures, strong winds, drought, some other natural disasters are challenges with gardening. But we believe that whatever you plant, If you put your heart and effort into nurturing them, they will pay off, so happy to see them grow day by day.” Lauren and Tyler not only grow crops to provide food for their families, but also store seeds to share with many people, inspiring those who love to create clean food for their families with their own hands and aim for a better life. sustainable living. “We’re not inheriting land from our ancestors, we’re borrowing land from future generations,” says Lauren. “This reminds us not to focus entirely on immediate needs, but instead take responsibility. responsibility, a sense of how current actions will affect the world our children live in. I hope everyone has positive thoughts and intentional actions to live a life of purpose and connection with together”. Hoang Dung ( translation summary)

With a charming, witty comedy and multi-talented when able to sing and act, Hoai Linh quickly received the love of domestic and foreign audiences. Thanks to that, the male artist received a huge amount of salary every time he appeared on stage. Photo: Vietnamese people. Expensive for both stage, film and television shows, Hoai Linh can earn tens of billions of dollars every year. Photo: Vietnamese people After many years of artistic activities, artist Hoai Linh owns a respectable fortune. In which, the Church of the Hundred Billion Ancestors has been cherished for 16 years by the male artist. Photo: Zing This project is located in Long Phuoc Ward, District 9 (HCMC) with a unique architecture that was started in 2014 and inaugurated in September 2016. Photo: Zing. Hoai Linh’s Ancestral Church was built on an area of ​​7,000m2. In addition to the large campus with many miniatures, ornamental plants … inside the main worship hall, the male comedian placed four large altars to worship the ancestors, worship the sage – post-sage. Photo: Vietnamese people. Many details are extremely sophisticated and sophisticated and are painted with expensive gold lipstick. Although the amount is not disclosed, many people value Hoai Linh’s Ancestral Church at no less than 100 billion VND. Photo: Vietnamese people Always appearing with a simple image, not a brand name, but comedian Hoai Linh once surprised when he revealed that he has a hobby of collecting expensive diamonds. Photo: Vietnamese people In an interview, the male comedian was surprised when he revealed that he was the one who taught Dam Vinh Hung to play diamonds. It is known that Hoai Linh was so generous that he gave Dam Vinh Hung 2 diamonds. Photo: Giadinhvietnam In addition to diamonds, artist Hoai Linh also has another luxury hobby, agarwood – the cheapest precious wood is about 6000 USD (139 million/kg). Photo: Youtube Dam Vinh Hung once revealed that Hoai Linh owns a large room containing hundreds of statues, reliefs, large and small mountains with agarwood, exquisitely carved. Photo: Youtube Hoai Linh also filled the cabinet with all kinds of rings made from Ky Nam agarwood (a rare type of agarwood that costs up to several billion). Photo: Youtube Only the agarwood rings introduced by Meritorious Artist Hoai Linh have an overwhelming price of up to 100,000 USD (2.3 billion VND). Photo: Youtube Video: Hoai Linh – Impressive Artist Face VTV. Source: VTV

Designs are used and sold on the page 1stdibs with the price of 6,349 USD, is in the old collection of Dolce & Gabbana brand produced more than 5 years ago. Kim Kardashian sisters dressed the same. Photo: Page Six. While Kylie Jenner combined with a miniskirt, Kim Kardashian chose tight-fitting leather pants and accented a sparkling stone cross pattern. “I was getting this outfit ready but my sister wanted to come out with the exact same design as me. This was really not part of our plan,” Kylie said. In the end, Kylie decided to change to another outfit to avoid contact and let Kim wear this outfit at dinner with Scooter Braun at Vinny restaurant. Netizens expressed their views on wearing the same outfits of the two sisters. Many people believe that Kanye West’s ex-wife is better dressed than her sister because she knows how to choose the underwear that comes inside. And Kylie made her bust constrained by the size of the corset tighter than her body. Kim Kardashian is highly appreciated when coordinating corset with stylish leather pants. Photo: Page Six. Kylie Jenner and Kim Kardashian love the fashion trends of the 1990s. Both are loyal fans of Versace designs on the catwalk from 20 years ago. They often buy these items at high prices and adjust to suit their physique. Kim has tried a sexy dress with a deep purple cut chest, a sequin material located in the company’s archive. Kanye West’s ex-wife used to not fit an Italian fashion house dress just because her shape and waistline were too small, making it difficult for her to move. Kim decided to choose Versace’s embrace style because of her passion for vintage clothing in the 1990s. a plump. “Clothing from decades ago was much smaller than it is today. The fit is a big deal if you don’t have the same golden proportions as supermodel Naomi Campbell, Cindy Crawford or Kate Moss Size is the hardest thing for a stored outfit to be stored, “vintage researcher Katy Rodriguez told the paper. Page Six . Kim Kardashian and Kylie Jenner have a hobby of wearing vintage clothes. Photo: Famoza. Spend $ 1.5 million for a wardrobe like Kim Kardashian Chaly DN is well-known for having the same fashion style as Kim Kardashian.

The remarkable point on the whole is that the hair is dyed with a blue tone ombre changing from dark to light with a color consistency with Birkin handbags. Cardi B posted a photo showing her new Hermès handbag. Photo: @iamcardib. The accessory model is made from crocodile skin covered in dark blue with the price of 79,000 USD on sale 1stdibs . This is one of the new designs that the female rapper recently bought with Hermès Kelly in fuchsia pink. “Cardi B is a person who loves to combine hair color with expensive designer handbags. The female rapper makes me confident about my own hairstyle and fashion,” added Stylez hairdresser. Page Six . Crocodile leather Birkin handbag model is priced at $ 79,000. Photo: @iamcardib. Cardi B is a famous Birkin enthusiast. She has a wardrobe covered with luxury handbags from Hermès. Female rapper collects designs made from crocodile skin with a variety of colors. Besides, she was given a Birkin by Kylie Jenner for her birthday. Some of the bags are gifts from husband Cardi B – rapper Offset. Page Six Evaluation of these accessory models can retail for between $ 40,000 and more than $ 100,000. Therefore, they easily raise the total value of Cardi B’s Hermès handbag collection to more than half a million dollars. The female rapper once opposed the racist comments: “Why do you ask if female rappers like us can buy Birkins at the store? People have never asked such questions. with white artist. We are at the forefront of the trend. When you think we’re devaluing the Hermès bags, we’re actually making them float. ” Female rapper has a hobby of collecting branded bags. Photo: Page Six.

Thanks to her skillful and graceful business, she made a miracle when she was still a student, which was to buy a beautiful apartment house. Possessing huge assets at that time was indeed the admiration of many friends, Linh Nham himself also felt lightheaded and happy when celebrating a newly bought house. She said it sometimes seemed like a dream, because it was the first property to buy by herself with her own labor, and even invited her friends to eat the housewarming all week. After her house, the second biggest asset she bought was a Mazda car, later more expensive and luxurious lines such as Maybach, S560 … Owning a house and car at a very young age, Linh Nham became became the idol of many young people at that time. The talented student after graduating from university founded a cosmetics company specializing in the production and distribution of skin care lines from Organic. With her efforts, she owns many other houses in prime locations in Hanoi. The second house Linh Nham bought was located in Dai Co Viet, although it was a house in the alley, but not far from the road surface, cars were parked at home, not too noisy. For many people, it was a satisfaction, but the Chairman wanted to put the company’s office in a more favorable location, right on the street, busy big street, convenient for meeting with customers. . So, I moved to a spacious 8-storey house on Ton Duc Thang street, the location is beautiful, expensive, many people admire the “playfulness” of the talented and complete businesswoman. Luxurious 8-storey house in Ton Duc Thang street of Linh Nham Thought this would be her stopover, but once again the female president decided to move house, she confided that being at the same time working at the company was uncomfortable because she did not have the feeling of going to work. there is no private, resting feeling, everything is intertwined. In addition, the street house is quite noisy, not convenient as I thought. So she chose a further location, a villa in Vinhome Riverside to enjoy the gentle suburban life. Garden villas, ponds, green trees, quite pleasant, the chairwoman can enjoy a relaxing life after stressful working hours. On weekends, the system can go to the house to have a party together, have a BBQ party, take pictures together, it’s no different than going on a vacation at the resort. The villa in Vinhome is also the place where Linh Nham named it Linh Nham house, the house for the reception system. The inside of Linh Nham House at Vinhome Riverside The idea that the president would stop at this expensive, magnificent mansion, because life now seemed like a dream, but it is true that this talented girl has a real hobby of moving. Because after that, Linh Nham was interested in green life, close to nature, and every day, she can relax on a bike, breathe fresh air like living in a forest. And so she once again chose the house project next to Ecorpark, which is known as a green life, a full life, green living in the heart of the city. It was Linh Nham who laughed at this special hobby, she moved as lightly as people traveling. She confided that she liked the novelty, liked the change, so whenever she saw any new project, attractive, attractive, or beautiful living space, she drove to see it, and wanted to change house. It is a “expensive” hobby, affirming the playfulness of the president of the same name brand. Linh Nham in front of Linh Nham Group’s villa at Ecopark Favorable business also allows her to fulfill her luxurious dreams. Organic cosmetics group Organic for her the role of the Chairman of the Board of Directors has grown for 7 years in the fierce market, owning more than 10,000 agents across the country. Linh Nham company’s products factory located in Korea, Thailand and Japan are all top factories, meeting GMP standard, and factories with famous brands. We will wait and see what new land this beautiful president will move to meet her desire to move and look forward to the upcoming cult products of the national cosmetics company Linh Nham cosmetics. !

Rapper mounted diamonds on his forehead spent 500,000 USD to buy jewelry During the shopping occasion at Icebox, Lil Pump spent 500,000 USD for diamond necklaces and rings. On April 25, Lil Pump attracted attention when posting pictures mounted diamonds on the forehead. The male rapper said the diamond was worth $ 28 million. However, many opinions consider the jewelry is not worth that much money. Photo: @lilpump. Earlier in March 2019, rapper Gucci Gang spent $ 250,000 to buy grillz from Vietnamese-gold jeweler – Johnny Dang. The design consists of 165 hand-selected 16-karat diamonds. Photo: TMZ, @johnnydangandco. Collecting jewelry such as gold, diamonds … is one of the popular hobbies in the hip hop world, Lil Pump is no exception. He shared his diamond necklace and necklace collection on GQ. Photo: GQ. Lil Pump said the rings cost about $ 60,000. The design is compact compared to the series of rings he often wears. Photo: GQ. Collecting large rings is a male rapper’s hobby. He owns two star-shaped designs worth $ 38,000. Meanwhile, the round ring model sells for $ 10,000. Photo: GQ. The nail rings he bought from Icebox. The total value of the four jewels is $ 52,000. Photo: GQ. Rapper Gucci Gang especially loves a pendant designed in the shape of his face. The design includes several large diamonds in the teeth that represent the grillz patterns. Photo: GQ. Lil Pump is famous for the song Gucci Gang. This is also one of the reasons why he owns a chain with the logo of the Gucci fashion house. The design is more striking with green and pink tones. Photo: GQ. The male rapper said the word “esskeetit” meant “let’s get it”. The design was designed and ordered by him. Photo: GQ. The watch came to the male rapper on his birthday. The jewel was purchased by Lil Pump at the Icebox. The design is a harmonious combination between silver and gold tones. Photo: GQ.

The toilet uses a “blooming” toilet lid called the Resin Toilet Seat. The toilet lid’s design is generally no different in usage and structure. The new value the company creates is to use a flexible synthetic resin for its production. By doing this, their customers can paste themselves or add whatever they want. Resin is a synthetic synthetic resin commonly used in industry and daily life, for example in jewelry, decorative items, dental care, adhesives, phone cases, furniture. the seventh,… Still retaining the structure and usage, but the application of plastic synthetic plastic material of the toilet lid makes the product look new and more interesting. The toilet lid is coated with Epoxy Resin to create interesting and lovely decorations. Even when it first came out, this unique toilet lid sold out quickly, prompting Cincinnati-based Working Girls to quickly manufacture additional supplies to serve consumers. Depending on the quality and design, the price of this toilet lid will range from 1 million to more than 5 million. In addition, if you are looking for a new DIY project to decorate your house, you can also consider this product. Because in addition to buying pre-made products, you can also make yourself a custom one. The toilet seat pattern is made of flowers and butterflies. Or just spreading a little sparkling paper is enough to make the toilet completely different. Bringing the whole ocean into your bathroom is not too towel. One more toilet pattern with decorative little seafood. You can unleash your creativity and variation in this new toilet model. When the toilet lid is closed, it forms a work of art. With the clever application of the toilet seat and lid you have renewed the boring toilet of your family. The items you use can be varied and varied according to your preferences. Not only are available models, but manufacturers are also ready to receive designs for their own production if you have a need and want to make a distinctive mark for your bathroom product. Currently, this unique toilet model is for sale on a number of e-commerce sites.

After posting the photo, many fans left comments to praise and express jealousy because he had valuable items. “If you want to know who bought BTS’s costumes, it is me,” Landon wrote in the photo caption. The young man showed off a photo of BTS. Photo: @landonangeloofficial. In the interview with Vogue The 22-year-old admits he often collects costumes worn by famous artists. Whether it’s on stage clothes or videos, he tries to buy it. In March, Big Hit Entertainment and BTS announced they have decided to wear 7 outfits Life Goes On for auction at charity event Grammy Awards . Costumes include t-shirts, pajamas, shirts, trousers, sweaters, and menswear. The auction process takes place on March 8-23. The proceeds will go to the Grammy Museum. The shirt was worn by Jimin at Gyeongbokgung Palace. Photo: Allkpop. In fact, BTS’s costumes are not uncommon for auction. In mid-April, Jimin’s shirt was worn to perform the song Idol at Gyeongbokgung Palace (Korea) was also auctioned off. However, the fact that the designer did not wash the shirt and still kept the male idol’s sweat created controversy in the fan community. Therefore, the auction was postponed.

Born and raised in the capital, had the opportunity to study and graduate from the Master of Marketing program in the UK, but Vu Hanh Linh (24 years old) has a hobby of wearing ao dai instead of following emerging trends. youth. The image of a girl in a modern ao dai standing in front of an old dormitory with red flags, mossy old town walls or a newspaper stall has created Linh’s own character. “The ao dai is really beautiful. Of course my wardrobe still has a lot of dresses, T-shirts, shirts but there is always a separate drawer for ao dai. This compartment is getting tighter now,” was the word. share with Hanh Linh Zing. Innovative dresses suitable for young people. From economic students to the owner of a Ao Dai tailor shop For a long time, Hanh Linh has enjoyed traditional Vietnamese clothing, whether it’s traditional or modern ao dai. However, when she knew that ao dai was smooth, she really thought that she could stick with this outfit. Every Lunar New Year and Mid-Autumn Festival, she “buys” a new set. Linh said her friends can “catch” her hobby because she invites them to go see ao dai too much. The feeling of wanting to wear ao dai gradually grew larger inside her while away from the countryside. At that time, what made Linh the most regret was that she could not carry all of her Vietnamese food and her dresser. Not only buying a lot, Hanh Linh also knows how to make ao dai by herself. After returning home, she looked for ao dai for the Mid-Autumn Festival but was not satisfied because she wanted something different. From there, she decided to buy self-made fabrics. Supported by family and friends after making the first product, Hanh Linh decided to open a Ao Dai tailor shop. She did not want to lose the characteristics of the ao dai, so the design was based on the spirit of respect for tradition. Ao dai made by Hanh Linh. The Ha Thanh-born girl expressed: “Ao Dai in some people can be too formal, too old, only for special occasions, it cannot be worn as everyday clothes. Therefore, I want to make ao dai which still keeps the characteristics of Vietnamese costumes but still remains young. An ao dai mixed with tradition and a little modern helps young people feel confident and comfortable to wear every day. That is what I aim for “. Being a student in economics, Hanh Linh admits her experience is built on what she sees and experiences. However, it is her love of drawing, coloring, shopping and viewing clothes and fabrics that has helped her to have a stable sense of color. This creates conditions for Linh in choosing and coordinating colors. During the work, she also had to learn more things in the garment sector, experimenting with materials, and carefully looking for Vietnamese clothes. “The outfit will look better if you are confident” Creating ideas, drawing what you like, choosing fabrics, cutting and sewing are the steps for Hanh Linh to make ao dai. She said she had to start over many times. Therefore, completion time depends on creativity and working mood. “I have a lot of ao dai. The traditional ao dai is discreet, the ao dai is a little more liberal to the youthful innovative ao dai. I have several styles in every style, from plain silk, linen, linen to fabric flowers, brocade … all colors, all styles. When I opened the Ao Dai shop myself, the number of Ao Dai increased rapidly, making me unable to count anymore, “Linh said. The 24-year-old girl also commented that ao dai is the most comfortable outfit to wear if you know the right materials to choose. Currently, Hanh Linh cannot count the number of ao dai she has. Hanh Linh used to think that she was too thin to wear well, and her skin was dark. But now, she is much more confident. “Any clothes will look better if you have the makeup that suits you as well as the outfit. The most important thing is to be confident,” she said. Ao dai is not only for people with a slim body. With overalls, girls who are slightly plump can try a more neutral tone or combine with a thin silk jacket to avoid exposing the biceps. As a girl with a slightly different hobby from her peers, Hanh Linh said that she simply wanted to share her love for ao dai with everyone. In Korea, China or Japan, it is not uncommon for traditional clothing to be worn on the street, so she wants to bring the ao dai to “weave” gradually on a young people’s normal day. “There are many young people who are very good at and try to preserve Vietnamese culture. The Vietnamese dress segment is no exception. Even the proposal for male students to wear five-body shirts as uniforms is supported by young people. Good thing, “Hanh Linh expressed.

Microsoft is about to release news and interests on the Windows 10 taskbar. Photo: Microsoft This new feature will be released to some users in the coming week, and the wider rollout to all users will also be rolled out by Microsoft next month. This feature allows Windows 10 users to quickly access news, sports, traffic and stocks from a variety of sources. The articles that the user has read will be saved and shared if desired. Users can quickly scroll through the weather icon, the latest weather information in their area will be displayed without having to open a browser or launch an application. In addition, the weather display style will be adjusted customized as icons or text icons. The widgets located in the taskbar will always be updated automatically, and you will not need to manually update these information from various sources. A special feature is that in this new utility of Mricrosoft, users can personally reconcile their content, such as choosing the topic to display or choosing reliable sources of information. These are some changes made by Microsoft with the desire to help Windows 10 users find high-quality news content as well as related content easier according to each user’s habits. News or weather always has to be updated quickly and seamlessly, through Windows, Microsoft will bring an experience that helps users spend less time searching. These new utilities will be part of Windows 10 Insider, which will be taking a phased and metered approach to widespread availability in the near future.

These online community groups provide members with a safe, dynamic, new playground to freely share their views, interests, interests … on a digital platform with a spirit of mutual support. fortification times for communities that are active on other traditional platforms. Community leaders play the most important role in building a Digital Community – a playground for young people on online platforms. With a view of building a community based on specialization and understanding of members, since the early 2000s, he founded Mitdot Family – a popular comedy radio news channel next to the Rap Club community with LKs, Eddy Viet, Ca Carp and the famous Beatvn forum. As a longtime community builder, Mr. Truong Ngoc Ha Tuan – also known as Tuan Saker – is one of the “top flags” that has a great influence on Vietnamese youth. According to documents reporting social media, currently about 90% of brands are using social networks for the purpose of reaching social media users, so using the tool to “listen” Everyone’s needs are essential for businesses and “community leaders”. As a person who wants to deeply understand the members, there are days when Mr. Tuan Saker reads thousands of comments, absorbs the comments of everyone to continue his efforts, trying to adjust to create the pitch. play best suited to members’ needs. Social media has now become an indispensable part of life. Especially in Vietnam, this period is a booming period for social networks and digital communities. We are one of the top social media users in the world and are still on a rapid growth rate. According to the Digital 2021 report conducted by Hootsuite and We Are Social, the number of Vietnamese users using social networks exceeded 72 million, accounting for 73.7% of the total population, an increase of 10.8%. with the year 2020. We have many social networks compatible with many different ages, hobby behaviors. Therefore, the trend of social media and digital community development will continue to thrive in the coming time. Tuan Saker is one of the 8x influencing Vietnamese youth on social networks since the early 2000s. According to Mr. Tuan Saker, when the number of social network users increases and there is a transition from the main generation of consumers to the Z genome, the next time will be an opportunity for specialized communities to serve. for different interest and interest groups. Nowadays, social media users tend to focus more and more in communities that suit their interests. Therefore, it will be inevitable that organizations, businesses and brands choose to communicate in communities in accordance with their needs and products. New, unique and really useful content for users will still be the foundation for building growing and reputable communities for everyone.

According to the data of Pinterest , the number of searches for “maximalist” keyword is 5 times as much, and “maximistic decoration for small space” on this page is also 3 times higher than in 2019. Browsing on social networking sites, viewers also encounter more posts regarding colorful spaces with maximalist decor. Experts say that the rise of maximalism could be the result of people spending more time at home and changes in living spaces that delight them. Like the name suggests, those who choose the “as much as possible” décor aim to turn the house into a “home”. It’s a space with brightly colored walls covered with artwork, countless trees and furniture in one space. Maximumism is the opposite of minimalism – a trend that is popular in 2019 thanks to shows like “Tidying Up With Marie Kondo”, which encourage people to follow a “as little as possible” lifestyle. Michelle Fahmy, interior designer and one of the manufacturers of the Apartment Therapy 2021 , talk to Insider that maximism is more practical for people in everyday life than minimalism. “Maximumism allows people to freely experiment with objects and design choices in their spaces, express themselves through their surroundings,” Fahmy said. Maximumism allows people to turn the house into a “home” by arranging the things they love. Experts say it is no coincidence that maximalism has become a trend during the pandemic. Swasti Sarna, Pinterest’s senior manager, said: “When stuck at home, people want to decorate their house in a way that makes themselves feel good and remind them of special moments, due to there is an increase in maximalism. Danielle Blundell, director of Apartment Therapy also agrees, saying that maximism is suitable for people who spend more time at home. “They arrange and fill the space with the things they love in a way that makes themselves comfortable. When the house is full of things they like, it can really boost the mood and make the owner almond. happier “. The secret to maximism in small spaces is to ensure that colors, textures, and patterns blend in with each other. Small spaces require layering rather than spread, meaning the selected parts need to fit together. “For me, maximalism encourages the use of my small space in the boldest possible way. It gives me the opportunity to experiment with a variety of colors, prints and textures,” says Megan Zietz – a person of maximum style – express.