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.”

Choose the capacity that is suitable for the room area For those who are looking to buy a cheap air conditioner fan, you should choose a cheap air conditioner fan with a capacity suitable for the room area. Cheap air conditioner fans usually have a capacity of about 100W with a capacity of nearly 10 liters to help maintain rapid cooling with low to high wind modes. With this power level, the machine noise is not too loud (only from 60-70dB), does not affect the daily life of the family. Proven reputable brand Air conditioner fan is a product that is not too strange for many people, but to choose a reputable brand of air conditioner fan, not everyone knows. Many people only focus on buying cheap air conditioner fans, diverse and unique models without paying attention to the product brand. Cheap air conditioner fans of unknown origin, poor quality can quickly fail and even harm the health of users. As a leading brand in the air conditioning fan product group for many years, Sunhouse confidently provides a variety of product models with the most reasonable prices. For those who are intending to buy cheap air conditioner fans, you can refer to SUNHOUSE’s air conditioner fan codes: Sunhouse air conditioner fan SHD7707, SHD7715, SHD7720, SHD7735… Product warranty Cheap air conditioner fans or any other product, there is a risk of damage during use, storage or moving for a long time. This is unavoidable. Therefore, you need to choose to buy an air conditioner fan with a guaranteed warranty. For this product line, usually the warranty period is from 6-12 months depending on the policy of each company. Outstanding cooling capacity – “King of hot rescue” in open space Similar to other traditional cooling devices such as electric fans, misting fans, air conditioners, rechargeable fans, etc., the air conditioner fan also impresses users with its outstanding cooling ability. Sunhouse air conditioner fan allows to reduce the temperature down to 15 degrees Celsius when used while still ensuring health, without worrying about thermal shock when changing the environment. The machine will work best when placed in spaces such as living rooms, bedrooms with open doors and windows, or garden spaces, outdoor cafes. Suitable add-ons Models of air conditioners on the market are often integrated with many utilities such as sterilization, deodorization, remote control, reversing mode, timer, convenient USB port integration, etc. Especially, if you want to just use it. cooling device that can both charge phones, computers … via USB, air conditioner fans are your first choice – Auto reverse wind mode Automatic wind reversal is the advantage of air conditioning fans compared to many types of traditional cooling devices. As a result, the air conditioner fan is able to cool evenly in a large space and is not “projected” directly at people that are harmful to health. You can use air conditioning fans in large outdoor spaces such as cafes, restaurants, swimming pools, etc. – Dust filter to limit bacteria Compared with conventional electric fans, the air conditioner fan has a great advantage of being able to clean the air thanks to 2 layers: the dust filter outside and the cooling pad inside the machine. The mechanism is that the dust filter will trap large dust and the cooling pad when wet will retain smaller dust particles (so you must regularly clean these 2 parts). – Rehydrate and balance moisture The ability to balance the humidity of the air conditioner fan is similar to that of a misting fan. However, many types of air conditioner fans today have overcome the limitation of damaging electronics that misting fans often encounter. You can rest assured to use Sunhouse air conditioning fan, which helps to protect your health, limit dry skin, clean the air, remove unpleasant odors in the room … – Flexible timer Timer is a convenient function that many people are interested in when choosing to buy an air conditioner fan. Thanks to that, you can actively control the operating time of the fan, not having to adjust when the weather becomes colder in the evening. Many types of air-conditioning fans such as Sunhouse SHD7721, SHD7735, SHD7725 air-conditioner fans… also have a timer up to 24 hours, very convenient for users.

Many facial sunscreens are formulated to reduce oiliness and are often more expensive than body products. “But the higher price doesn’t mean it offers better protection,” says Kimberly Jerdan, a board-certified dermatologist in the US. Here’s her advice on how to choose the right sunscreen for your face. Use a broad spectrum sunscreen When buying any sunscreen, there are two main signs to look for. Make sure the bottle says “broad spectrum”. Also, choose one with at least SPF 30. Choose a sunscreen that says “broad spectrum”. Photo: UChicago Medicine. Broad spectrum means the sunscreen protects the skin from both UVA and UVB rays. UVA rays cause premature aging, wrinkles and dark spots, they penetrate deeply and can damage the skin’s collagen. Meanwhile, UVB rays mainly damage the surface of the skin and cause sunburn. Both UVA and UVB can cause skin cancer. SPF (Sun Protection Factor) is an indicator of how much UVB radiation a sunscreen can filter out. SPF 30 sunscreen blocks 97% of the sun’s UVB rays. A higher SPF provides only a small amount of additional protection and needs to be applied frequently – every two hours. SPF does not measure protection from UVA rays. That’s why you need to make sure your sunscreen has a broad spectrum label to get protection from both. “Higher SPF sunscreens tend to be a bit more expensive. So I’d recommend saving money and just getting into the habit of reapplying every two hours,” says Jerdan. Based on how oily or dry your skin is Finding the right sunscreen can take some trial and error because everyone’s skin is different. If you have oily or acne-prone skin, Joyce Park, a dermatologist in the Bay Area (California, USA) recommends looking for creams labeled “non-comedogenic”. Because they will not clog pores, reducing the risk of acne. Pay attention to choose the right ingredients for your skin type. Photo: Tsww. Park also recommends sunscreens that contain niacinamide. This is a B vitamin that improves the appearance of the skin and reduces sebum production. For dry skin, she recommends looking for moisturizing ingredients like ceramides, hyaluronic acid, or glycerin. Apply sunscreen before makeup Currently, foundation creams also include SPF 30. However, they are often not applied much when wearing makeup. This limits sun protection. “Studies show that people don’t wear enough SPF makeup to get skin protection benefits,” says Dr. Park. So we recommend applying sunscreen to your face before applying makeup. Facial sunscreens are formulated to create different foundations – mist, matte or tinted. So it’s guaranteed to fit into any makeup routine.” Apply sunscreen before applying makeup for full protection. Photo: girlstyle.com Physical sunscreen for sensitive facial skin There are two main types of sunscreens, physical and chemical. Both protect the skin from UV radiation, they just contain different ingredients. It is these different ingredients that will help you choose the right sunscreen for your face. Physical sunscreens are formulated with zinc oxide or titanium dioxide. These are great options for people with sensitive skin because they are hypoallergenic. Another reason mineral sunscreens are ideal for the face is that they reduce the risk of hyperpigmentation and melasma. Jerdan says chemical sunscreens absorb the sun’s rays, so they can warm the face. Therefore, for those who are prone to tanning, it is best to avoid them. “Physical sunscreens can sometimes leave a thick layer of powder on the skin,” says Park. “But over the years, products have improved a lot and that’s no longer the case.” People with sensitive skin should use physical sunscreen. Photo: NBC. Chemical sunscreen Chemical sunscreens absorb the sun’s rays instead of reflecting them back. Jerdan advises patients with sensitive skin to “say no to benzones”. Avobenzone and oxybenzone commonly found in chemical sunscreens can cause allergic reactions. However, not all chemical sunscreens are based on these ingredients. The product still works fine if you are not allergic to it. Chemical sunscreen ingredients are also controversial due to a recent study conducted by the US Food and Drug Administration (FDA). Results showed that these compounds were absorbed into the skin and detected in the blood at levels above the FDA recommended threshold. However, this does not mean that chemical sunscreens are unsafe, researchers and dermatologists stress. Chemical sunscreen will still work as long as you’re not allergic to it. Photo: Freepik.

1. Know your body size: You should measure your body dimensions and record them on your phone. This makes it easier to shop for clothes online. For each country, the body measurements corresponding to the clothes will be different. Ideally, you should measure the circumference of 3 busts, waist and hips regularly to avoid buying clothes that are too wide or tight. Image: Femnastic. 2. Notes on clothing sizes from brands purchased: When choosing to buy clothes online, you should remember that each manufacturer has its own convention on product sizes. If you have a favorite brand and shop there often, keep in mind their size chart to save time. Image: MyBeautyGym. 3. Bring a ruler: For clothing stores that do not have a fitting room, you should bring a measuring tape. If you like the shirt longer than the back, try the product on or use a measuring tape. Besides, for tight-fitting clothes, you need to accurately measure the circumference of 3 body circumferences. Image: Medium. 4. Measure the width of the pants by wrapping around the neck: To choose the right size, hold your jeans at the ends of your waist and wrap it around your neck. If the ends easily touch each other, that’s the right size for you. Note that the two ends of the belt don’t necessarily meet exactly, but they should easily wrap around your neck. In addition, weight can change over time, so if you have a body type that is easy to gain weight, you should choose a size that ranges from 3-5 cm. Image: Caak. 5. Wet clothes in front of the mirror: This is the easiest way for you to determine if the length of an outfit is right for you. If you like to wear loose, comfortable styles, tailor the flaps of your shirt or skirt to match your outfit. The width of the garment will fit your body when the hem of your shirt matches the shirt you are wearing. Image: Glorynote. 6. Choose stretchy material: Shopping for clothes but not trying them on makes it difficult for some people who are prone to gaining weight. Therefore, you should choose stretchy materials with adjustable details to overcome the situation that the clothes do not fit the body. Image: Daily Star.

Choosing the right face wash for hidden acne skin is the most important thing To choose the right type face wash for acne-prone skin First of all, it is necessary to know what is hidden acne, its causes as well as the principles of cleaning and skin care for hidden acne. What is hidden acne? Hidden acne is a type of acne with a nucleus located deep inside the hair follicle, which does not cause swelling or inflammation, but is raised to make the skin rough and not smooth. Although hidden acne is not as dangerous as cystic acne or pustules, it is easy to cause stress because it is difficult to treat completely, causing rough skin and large pores. Causes of hidden acne There are many causes of hidden acne such as poor hygiene, using a lot of cosmetics, hormonal disorders, but the most important one is still not clean skin. In skin care steps, cleaning the skin is the most basic and important step, but many people neglect it. If the face is not clean, sebum, dirt and makeup still accumulate under the pores, creating conditions for bacteria to penetrate deep into the skin, increasing the risk of hidden acne. Hidden acne is a type of acne with a nucleus located deep inside the hair follicle Cleansing principles for hidden acne skin 1. Remove makeup Many people think that only when wearing makeup, it is necessary to remove makeup. The truth is that if you don’t wear makeup, you don’t need to remove makeup every day, but you still need to remove makeup 2-3 times a week, to remove dirt and sebum from the skin. If you use sunscreen, you should remove makeup daily. Because some ingredients in sunscreen can stick to the skin, it is difficult to clean with a cleanser. 2. Use the right cleanser With hidden acne and acne skin, you should avoid cleansers that contain soap to create a feeling of tightness. Because these cleansers strip away the natural protective film on the skin, making the skin dry and tight. After a short time, about 1-2 hours, the skin will pour more oil to rebalance, because it is misunderstood as being dry. Therefore, in order to prevent the skin from becoming more oily, it is recommended to use a mild, soap-free cleanser with a balanced pH (about 5.5, – 6.5). You should wash your face about twice a day, if your skin is sweaty and oily, wash it again. pH balanced cleanser safe for all skin types 3. Use toner Using an alcohol-based toner helps to deep clean, antibacterial, using an alcohol-free toner helps balance the pH of the skin, moisturizes the skin better. After washing your face, you should soak the toner on a cotton pad and wipe it all over your face to clean your skin. 4. Moisturize the skin Every skin needs moisturizing, even oily and acne-prone skin. Adequate moisturizing helps to replenish water and necessary nutrients, the skin will be healthy and resilient, the pores on the skin surface are always dry, helping the skin not be “suffocated”. Adequate moisturizing helps skin to be healthier, prevents inflammation Lenka – Facial cleanser for hidden acne skin Lenka is one of the dermatologist-recommended facial cleansers. The outstanding feature of Lenka facial cleanser is that it is soap-free, non-foaming, fragrance-free, and non-irritating to the skin. Lenka helps to gently clean, without stripping the skin’s natural protective film, helping the skin retain the necessary moisture. Therefore, Lenka does not cause dryness of the skin, nor does it make the skin greasy and clog pores. Lenka gentle cleanser has a balanced pH (6.5) so it is safe for all skin types, from dry, oily, sensitive skin to hidden acne. You can use Lenka instead of makeup remover cream, just apply milk to the skin, gently rub a few times and then use a cotton pad to wipe the excess milk on the skin with dirt. Then wash your face with Lenka cleanser and water thoroughly. This double cleansing method helps to clean the skin, effectively reducing acne. Consistently applying daily skin care measures will help reduce and prevent hidden acne from recurring, making skin smoother and younger. Lenka Facial Cleanser – A dermatologist-recommended product Features of Lenka gentle cleanser: pH balanced, soap-free, non-foaming, fragrance-free, non-irritating formula. Safe for all skin types: dry, oily, thick, thin, sensitive. Reduces dryness, pigmentation, freckles, acne. Gentle cleansing, does not take away the natural protective film of the skin to help the skin retain the necessary moisture, avoiding dry skin. Doesn’t make skin greasy, won’t clog pores Can be used in place of makeup remover. Number of Certificate of Advertising Content: 2672/2017/XNQC-YTHCM See more about the product: https://nhatnhat.com/lenka.html

Many women have the habit of blanching beef in boiling water first before stewing. However, this is not the right way to do it. If you want delicious beef, you just need to remember the following 3 steps, the meat will be soft, not fishy and not degraded. The first step: the beef needs to be soaked in water for half an hour. At this time, fresh beef often has a lot of blood, it is best to cut it into large pieces and then soak in clean water. This process can remove the blood, making the beef stew less fishy. Step 2: Prepare a pot of water, add beef with cooking wine. Note, do not use hot water for blanching, the correct method is to use cold water to slowly heat the meat. This not only does not reduce the quality of the meat, but also helps to remove impurities and excess blood. Therefore, this step is extremely important and must not be skipped. Cooking wine has the effect of deodorizing the fishy smell of beef effectively. Blanch beef in water should not be too long, about 1 minute at most. Step 3: During the stewing process, only a sufficient amount of water should be added, not halfway, after that, add various spices, especially vinegar. Beef itself has many tendons, thick meat, adding vinegar will help stew beef more tender, very easy to eat. After high heat, turn to low heat and cook for 1 and a half hours. Beef should be put on low heat until the beef is tender. If you have a pressure cooker, you can save time, cooking for 20 minutes is enough. To enhance the taste of beef, you can also add potatoes or white radish, it can also make beef more delicious.

Original SIM card but still occupied by others Ms. ATH (in Binh Duong) reflected on 2-3 days, she discovered that her phone displayed a message that could not be called, so she went to VNPT Binh Duong Business Center to ask for a check. Here, the technical staff said that the SIM card is not damaged, still works two-way. On March 4, she went to the center to ask for a new SIM card. After that, the phone works normally. On March 12, Ms. H. logged into her credit card account to check and found that the money in the account had been withdrawn in the form of payment for purchases. Suspecting that her SIM information was exposed during the SIM rework, Ms. H. went to VNPT Binh Duong Business Center to find out. Only now did she know that on 2-3 days there was a transaction to replace her SIM at a VNPT center in Ho Chi Minh City. Ms. H. said that this SIM phone number has been registered by her owner before. Now suddenly my SIM was declared and appropriated by someone else, leading to the loss of her credit card more than 58 million dong. “During the settlement process, the representative of VNPT HCMC (where the SIM exchange happened) said he would support me with a scratch card worth 2 million VND, but I did not accept it. The main reason for losing money is because the network operator re-issued the SIM in the wrong process, not because of me, “- Ms. H. shared. Ms. ATH was upset because someone else took control of her phone SIM, so her credit account lost more than 58 million dong. Photo: DANG LE Another case is Mr. Trieu Duc Khai (in Thai Binh) also said on April 21, he made a complaint to VNPT Center in Thai Thuy district, Thai Binh. The content of the complaint about his VinaPhone SIM, although registered by the owner, was still controlled by others, leading to the loss of 35 million VND in his credit card. Through working with VNPT in Thai Thuy district, it was determined that someone had impersonated him to carry out the procedure to lose the SIM and make a new SIM with the subscriber number that Mr. Khai was using. This person only declared five phone numbers to call out, come to the nearest, and then be given a new SIM. Occupying SIM is a trick to appropriate money Exchange with Ho Chi Minh City Law Vo Do Thang, Director of Athena International Security and Network Administration Training Center, said that through the two cases above, it shows that if anyone reports the loss of SIM and only needs to provide five phone numbers to call. going, calling recently, committing to subscriber owner rights to be re-issued with a new SIM is not good at all. This has created a loophole for crooks to steal other people’s SIMs, to the detriment of genuine SIM users. According to Mr. Thang, most of the victims in the SIM loss cases were taken by fraudsters by making online payments. To pay for online purchases, there are three factors: The first is a mobile phone number. The credit card holder must register this phone number with the bank to authenticate transactions and receive bank notifications. The second is the card number (a series of numbers printed on the front of the credit card). The third is the OTP (one-time password) verification code sent to the phone number registered with the bank. In the working minutes and written responses to Ms. H. and Mr. Khai, the network operator confirmed that re-issuing SIM cards to others was not in accordance with the process. Photo: DANG LE. After hijacking the right to use the SIM, the crooks will take the victim’s credit card number to pay online, then use the newly issued SIM to receive the OTP code and complete the payment. The victim’s credit card number has been stolen by the crooks before, appropriating the phone SIM is only the last step to perform the act of appropriating money. According to Mr. Thang, not everyone who loses their phone SIM will lose money in their credit cards and bank accounts. Only when they have had their credit card or account information exposed before can crooks steal money. The victim’s credit card information may be exposed during previous online transactions. The cause is usually because the victim has filled out information on fraudulent websites, installed malicious code on the phone to steal card information, opened attachments of unknown origin or it can also be due to credit institutions. does not guarantee safety in terms of security,” Thang shared. In the working minutes and written responses to Ms. H. and Mr. Khai, the network operator confirmed that re-issuing SIM cards to others was not in accordance with the process. Photo: DANG LE The network operator did the wrong process In both cases mentioned above, in the process of working with customers, the operator has confirmed that the teller when carrying out the SIM reissuance procedure only requires the customer to provide five outgoing and incoming phone numbers. subscriber ownership is not the correct procedure. In response to the recent complaint of VNPT Center in Thai Thuy district, Thai Binh province against Mr. Trieu Duc Khai, it is clear that because of this unfortunate incident, VNPT Center of Thai Thuy district has apologized to customers. The material damage that the impostor causes to the customer, the center will fix and compensate for the loss. As for the case of Ms. ATH, VNPT HCMC said that it will accompany the customer to provide necessary information to serve the investigation agency.

As a result, everyone can maintain a healthy and balanced life, whether they have to continue working from home, or return to the busy workday at the office in a healthy and energetic state. after a difficult time. Consumers are constantly looking for health care solutions for themselves and their families. Among them, health foods are always the right choice of many people, but consumers are easily confused when entering the product matrix to know which products are good and effective. So how can consumers choose the right foods to protect their health and suit them in a huge market like today? Prestigious brand One of the top priority factors of consumers when choosing healthy foods is the brand of the manufacturer and the company brand. The health food products produced by Suntory Wellness, one of the leading companies in the health food industry in Japan – are the result of a passion for improving people’s health through a long time non-stop research. Illustration All research and production stages at Suntory Wellness are conducted by reputable experts with strict quality control process. All to bring consumers products with reliable natural ingredients, especially food that protects human health. Quality products, reliable Currently, a clean and healthy lifestyle makes consumers tend to use health protection products and foods derived from nature. However, not all are good for the body and easily absorbed. In addition, we cannot understand the process of controlling the quality of input materials and the production process. Illustration Understanding this issue, Suntory Wellness company has manufactured health foods that provide consumers with clinically researched and proven nutritional ingredients. The first is the precious “Sesamin” essence extracted from sesame seeds. Then there is Tocotrienol and natural vitamin E. The synergy from the above 3 ingredients will help support sleep improvement, support fatigue reduction, antioxidant support and skin beautification. Illustration Among the nutrients, the most prominent is sesamin essence, which is wrapped in a hard shell and accounts for only 1% of the nutrients of sesame seeds. Therefore, Suntory Wellness company has used many years of research to find a method of extracting this essence to ensure that your body can absorb it more effectively through health food products. The provenance is clear Just like choosing any food, consumers are always interested in the origin of the product, especially health-protective foods. With more than 30 years of experience, Suntory Wellness company carefully selects precious raw materials from nature. To ensure sustainable sesame seed quality, Suntory Wellness uses a carefully selected source of sesame seeds from many of the best sesame seeds in the world, mainly in South America and Africa. Illustration After removing all 470 kinds of pesticide residues to ensure the purest sesame seeds, a closed process is carried out to extract 1% of the precious essence in each sesame seed. Suntory Wellness is committed to providing users with GMP-certified health foods of Japanese quality, all products sold are imported directly from Japan.

Customize sharpness parameters on smart TVs. Photo: Lifewire However, the reality is not so, on most smart TVs today, the Sharpness feature only has the effect of “edge enhancement” (simply speaking, expanding the border), and this can reduce some small details on the picture. That’s why you should reduce the Sharpness parameter to less than 20% or less (possibly 0). On the left is the original image, and on the right is the Sharpness enhanced image. It’s not hard to notice that the image on the right has some extra halos around the subjects, which is what the Sharpness feature brings. Normal image and Sharpness boosted image. Photo: CNET This basically makes objects easier to see, but they also make other areas grainy. In fact, the image that has not been sharpened will be softer, helping you to see small textures on the walls, facial pores, etc. Note, if you are using a 4K TV, users will not be able to receive it. See the difference when increasing and decreasing the Sharpness parameter. In short, to get the best visual experience when watching TV, the easiest way is to switch to Movie mode, or you can tweak the Sharpness parameter to 0-20%.

Artwork: The Conversation The Australian newspaper today, quoting Senate Speaker Scott Ryan, said that on March 27, the computer network of the Australian Parliament was attacked by hackers for nearly 24 hours. As soon as the attack was discovered, appropriate controls were put in place to lock down the accounts of MPs and staff working in Parliament to ensure that information was not compromised. These measures prevented malicious actors, but left MPs and staff working for the Australian Parliament unable to access their accounts on the Parliament computer network for about a week. On the same day, March 27, the computer network of one of Australia’s largest media companies, Nine Entertainment, was also attacked by hackers, affecting the broadcast of many television programs. Nine Entertainment was forced to change broadcast locations and rebroadcast some old shows to overcome the impact of this attack. According to information from Australian authorities, in recent years, public agencies and businesses of this country have become the target of many cyber attacks. Typically, the National Assembly computer network attack before the country held the National Assembly elections in 2019. MP Andrew Hastie, Australia’s assistant defense minister, said: “Cyber ​​attacks are low-cost and difficult to detect. At the same time, these attacks can be carried out at any time and from any location”, so it’s time to think about “cyberspace as a battlefield”.

Because of the variety of sunscreens, not everyone knows how to choose the right product for their skin. According to The Healthy, based on skin type is the most effective way to choose sunscreen. Photo: Stylecraze. 1. Normal skin: Both physical and chemical sunscreens can be used on normal skin. Dermatologist Tsippora Shainhouse in Beverly Hills (USA) recommends that users choose products with broad-spectrum protection, which can block both UVA and UVB rays. “If you’re just indoors, SPF 15 should suffice. You’ll need SPF 30+ or ​​higher if you have to go out,” she says. Image: The Independent. 2. Oily skin: People with oily skin need to be especially careful when choosing a sunscreen because this product easily makes the skin greasy. Shainhouse suggests that users should choose a gel-based, alcohol-based chemical sunscreen or a mild moisturizer for best results. In addition, the ensulizole component should also be noted because it is the least greasy. Image: Evening standard. 3. Dry skin: “People with dry skin should use a daily moisturizer that contains sunscreen,” says Joyce Imahiyerobo-Ip, director of cosmetic dermatology at South Shore Medical Center in Massachusetts. In case you are still unsure, you can mix a thick moisturizer with sunscreen before applying it to your face and body. Image: Verywell Health. 4. Combination skin: Like many other cosmetics, sunscreens for combination skin need to be light in texture in the form of gels, essences, or sprays to avoid clogging. Besides, you should also avoid ingredients that soften the skin such as plant oils, fatty acids if you do not want the skin to be more greasy. Image: The Independent. 5. Acne skin: Sunscreens for acne-prone skin often have “Non-Comedogneic” written on the label. Some chemical sunscreens containing derivatives, oxybenzone, fragrance, alcohol are also not suitable for acne skin. Image: Dermstore . 6. Sensitive skin: Similar to acne skin, sensitive and easily irritated skin needs more care in choosing products. Besides some basic criteria such as alcohol or fragrance-free and nourishing ingredients, products tested by doctors or experts are the wisest choice. Image: Pinterest .

Toyota Cross HV operates in the inner city of big cities in Vietnam The picture of electrified vehicles in Vietnam At the seminar on electrified vehicles in Vietnam organized by Tien Phong newspaper, sharing about the picture of electric cars in the world and Vietnam, Expert Nguyen Trung Hieu – Head of Policy Planning Department TMV said: a unit that has the conditions to participate in the research and production of electric vehicles, we have a general view of the picture of electrified cars as follows: Firstly, from the 70s of the last century, when the gasoline crisis When oil broke out, car manufacturers were forced to find a new direction, which is to find a way to replace internal combustion engine fuel. Second is the factor of climate because internal combustion engines contribute to the cause. Therefore, global warming is caused by the third is the concentration of too many vehicles using internal combustion engines, which causes air pollution, and the fourth is that along with the development of society, the technological trend is a condition. necessary to contribute to the promotion of production. Therefore, since the 70s, car manufacturers have been looking for new directions in vehicles using clean energy.” When the chairperson asked the question, is the price an important issue affecting the development of electric vehicles in Vietnam? Mr. Nguyen Trung Hieu said: the general car price includes production costs and taxes. For electric vehicles, there is a discount on prices due to the decreasing price of batteries. The second is in terms of tax, currently the Vietnamese government has preferential treatment for electric vehicles. Therefore, the factors of usage habits and some other factors are the issues that need attention. Maybe in about 5-10 years, the electric vehicle market will be doubled, tripled and the price will decrease. Currently Toyota has a full range of models, but it is only a matter of when to launch to match the status and development potential of the country. To do this is a matter of policy. In general, the picture of electric vehicles is a story of national challenges, and seizing the opportunities is a national problem. Outstanding advantages of electrified vehicles Toyota Cross uses environmentally friendly electrified vehicle technology Toyota Vietnam and Hanoi University of Science and Technology (HUST) have cooperated, discussed and implemented a project to monitor and evaluate the performance of gasoline cars and hybrid gasoline-electric vehicles (Hybrid) in 4 areas. factors include Fuel Consumption, Emission Level, Safety and Driving Experience under real conditions. During the period from October 23, 2020 to December 23, 2020, with test conditions including actual roads, labs and test sites in peak hours, normal hours / ring roads , radial roads, inner city roads, one-way roads, research results show that the advantages of Hybrid cars are maximum fuel savings, low exhaust levels, smooth and powerful operation, and very smooth and quiet. In particular, Hybrid cars can save fuel and reduce CO2 emissions from 1.5 to 2 times compared to conventional cars, so they are very environmentally friendly. Why is the hybrid car line suitable for the current situation in Vietnam? Sharing about why hybrid cars are suitable for Vietnam’s current situation, Mr. Mai Ngoc Tuy, Head of Technical Service Department of Toyota Motor Vietnam said, firstly, with this model, we There is no need to change the user’s usage behavior. Because the way to use this car is like using an internal combustion engine car today. Second, there is no need to invest in infrastructure, which is extremely expensive. Third, if using hybrid cars, it will have less impact on socio-economic issues. Because if using this vehicle, the gasoline supply chain will not be affected and the problem of solving social jobs will not change.

Choosing the right sunscreen is as important as “choosing the right person” (Artwork) Choosing a sunscreen is like “choosing the right person”, so depending on your skin type, there will be tips for choosing your own sunscreen. Here are a few tips that you can check out. Oily skin Oily skin is the most annoying thing is the amount of oil secreted on the face that makes the skin always greasy and uncomfortable. Therefore, you should choose products with fast absorbing cream with a matte finish. Types in the form of milk or gel will be the right choice, on the product packaging there are phrases such as: Oil Control, No Sebum, For Oily Skin, Oil Free, … Dry skin For dry skin, look for sunscreen that does not contain alcohol and should contain ingredients that moisturize the skin. In addition, the ingredients table should have ceramides, hyaluronic acid, or glycerin, … will help you balance moisture, limit dehydration, dry skin, leaving skin always smooth, smooth. However, dry skin is susceptible to aging and wrinkling after exposure to the sun even though the sunscreen contains moisturizing ingredients. So, with dry skin, you should still apply moisturizer before applying sunscreen to ensure smooth moisture for skin. Sensitive skin Sensitive skin is easily irritated, so when choosing products, be careful. The ingredients table contains no alcohol or fragrance and a hint of skin care is essential for sensitive skin. Or you can choose physical sunscreens, as these lines usually rarely contain ingredients that irritate the skin, which is a good suggestion for sensitive skin. Acne skin Acne skin should use sunscreen products with benign ingredients, gel form, fast permeability, light texture, no oil, help skin dry quickly, minimize pores. Also, avoid creams that contain scents, alcohol, oxybenzone and PABA (chemical sunscreens). Therefore, a physical sunscreen (containing zinc oxide and titanium oxide) is the right choice for acne skin. Notes when choosing a sunscreen Note when choosing a sunscreen (Artwork) Not only suitable for each skin type, when choosing a sunscreen the most important thing is: SPF number SPF (Sun Protection Factor) helps measure resistance to UVB rays, the higher the SPF number, the longer the sun protection period. To measure the effectiveness of sunscreen, 1 SPF will protect the skin for 10 minutes. And want to know how long your sunscreen is effective, just multiply the SPF number by 10. For example, if your sunscreen number is SPF 20, the sun protection time will be 20 x 10. = 200 minutes = 3 hours 20 minutes is the time your skin is protected. Indicator PA PA (Protection Grade of UVA) measures resistance to UVA rays. There are 3 levels: PA +, PA ++, PA +++, which correspond to the level of UVA protection, respectively: weak (about 4 hours), medium (about 8 hours), strong (about 12 hours). Beauty – A place to share beauty experiences, to help you make the right choice for your skin Already and are consumers, more than anyone else, Do Dieu’s editorial team understands the wishes and feelings of many sisters. Since then, Do Dieu was born as a magazine to help women have more places to confidently exchange skin care experiences, beauty tips, … On Beauty, articles about skin care tips, beauty trends (hairstyles, clothes, …) are constantly updated every day for readers, bringing a new perspective on the beauty field. . In addition, each product review is evaluated in detail and objectively, giving readers the feeling of “real experience” on each product. To publish a review, the editorial team uses the product directly for a period of time and gives an accurate judgment and rating to the user, helping the user to make the right choice. As well as consumers, so Mew does not favor any brand, each product submitted will be reviewed, judged, experienced and published. That is seen through the reviews, each pros and cons are stated accurately and objectively for the reader. Coming to Do Dieu, everything will be much easier because this place not only shares experiences, shares beauty treatments, but also makes the correct choice for you. Join the beauty community right away, share great tips, gain more beauty experiences at: Website: https://www.lamdieu.com/

Japanese story
Mr. Okuda Naohiko – Department of Administrative Management, Ministry of Home Affairs of Japan said: “Coping with the Covid-19 epidemic has raised many problems related to digital transformation in Japan such as:“ Transition delay numbers and authorities, businesses lack human resources; ineffective administrative management due to inadequate system connection; complicated administrative procedures and late payments; service decline for people, digital transformation in businesses and society ”.
That is how digital transformation in Japan is to ensure safety for people in natural disasters and epidemics. To basically solve the above problem, the Japanese Government has decided to reform the regulations in a comprehensive way, removing vertical administrative management. “A breakthrough is the establishment of the Digital Agency (Digital Agency), expected to be established in September 2021” – Mr. Okuda Naohiko said. Japanese IT engineers in an office robot digitizing research lab. The Digital Department is the focal point to promote digital transformation in Japan, playing a key role in digital government in the coming time. This is the organization leading the digital transformation in the entire society in Japan, and it is expected that this process will take about 2 years.
Mr. Okuda Naohiko said that human-friendly digital transformation is the goal of Japan in the digital transformation process in this country, while giving 10 basic principles in the direction to digital society: Open / Ming Transparent, Fair / Ethical, Safe / Peace of Mind, Continuity / Stable / Strengthened, Solving social problems; Fast / Flexible; Inclusion / Diversity, Entry into life, Creating new value; Leap Forward / Contribution to the international community.
In that context, in 2010, the Research Institute of NTT Corporation developed WinActor – a Japanese RPA tool that allows automatic operation on most Windows-based applications such as Excel, Word, Outlook, browser, BPM… to business systems. This tool has created a revolution in the office work, thereby opening the door to “reform the way of working”.
Mr. Naritoshi Masuda, CEO of NTT DATA Vietnam said: “WinActor, a RPA (Robotic Process Automation) solution researched and developed by NTT Group Japan, has won the leading market share in the Japanese market for 5 years. consecutively since 2016.

And we enter Vietnam market in 2017, WinActor will be one of the solutions in Digital Transformation (DX) to help businesses accelerate digitization and automation to improve their competitiveness. and customer experience. ”
In the future, if RPA can be operated on systems equipped with AI or RPA itself has AI functions, RPA can perform more complex and advanced jobs. By 2025, one third of office workload will be done by RPA, which will become a trump card in the digital transformation revolution.
Thai model
In Southeast Asia, Thailand is seen as a model of digital transformation in terms of progress and practice. Thailand is implementing the 5-year transition plan (2017 – 2022). The government has come up with an ambitious plan to digitally transform the entire public system, from public administration to tourism assistance, natural disaster warning, and improved agricultural efficiency. This is a very focused, ambitious and appropriate plan for this country.
It is no coincidence that the first step on Thailand’s digital transformation journey is to implement the e-government development strategy 4.0, in order to realize the four main contents that have been introduced by the Electronic Government Agency (EGA). Government Development Plan No. Thailand is determined to: 1. Build an Integrated Government, which includes information integration and governance among state agencies, towards the goal of establishing an efficient, one-to-one sharing service. Government score of citizenship. 2. Smart operation, using information and communication technology (ICT) and related technologies, through Big Data and Internet of Things (IoT) to support the work of civil servants. 3. Make the people the center of service delivery, to provide services based on the needs of each citizen. 4. Promote transformation, focus on organizational change across multiple dimensions, have specific development strategies and be implemented by the EGA, including human resources, workflows, technology and legislation .
Ministry of Digital Economy and Social Affairs, EGA holds a key position in the integration of infrastructure, data and digitalization efforts of the Government of Thailand. The Ministry of Science and Technology of Thailand nationally supports the portal “Farmer One”, which provides agricultural production processes for businesses such as: Registration for cultivation, contacting input materials, consulting. pictures of selling prices of each agricultural product …
Thailand has built a business portal “Biz Portal” to reduce costs of businesses in issuing business licenses, reporting human resources, permits, insurance, or registering for construction permits, and sending connection requests. electricity and water … In order to solve the human resource problem for the public sector, Thailand has established the Digital Transformation Academy – which specializes in training technology knowledge for public officials. In addition, the EGA also aims to improve technical infrastructure with the aim of improving the quality of public services and increasing people’s satisfaction with government programs.
4 number shift spikes of Malaysia
Each country has different digital transformation strategies, different goals. The Malaysian government is now vigorously promoting digital transformation with four main spearheads: Industry 4.0, smart travel, smart education and safe cities. This is considered as the main key for Malaysia to accelerate development, towards the goal of reaching the top 20 economies in the world by 2050.
Malaysia builds four national goals: Increase labor efficiency; Increase investment contribution to GDP; Capacity building for innovation; There are more human resources with higher skills. To achieve these goals, Malaysia is stepping up the search for human resources related to artificial intelligence (AI) and enhancing solutions for faster and more technology exposure, creating a platform. high-end industry and more developed.
Digital transformation is a global trend. Research firm McKensey said, about 4 years (2025), the level of impact of digital transformation on GDP of the US is about 25%, while in European countries it is about 36%. A survey from Singapore, if the ASEAN countries convert strongly, by 2030 ASEAN GDP will add 1,000 billion USD. For Vietnam, if the digital transformation is completed as planned, by 2030, our GDP will increase by 100 billion USD. “In addition to RPA, NTT DATA Vietnam wants to approach Hanoi and the Government of Vietnam to jointly introduce new IT solutions, promote e-government and smart cities.” – NTT DATA Vietnam CEO Naritoshi Masuda

As India suffers from the world’s worst corona virus crisis, our New Delhi chiefs describe the fear of living in the midst of a pandemic spreading at large scale and speed. so. The crematoriums piled up the bodies, as if a war had just happened. Fire burns day and night. Many places held mass cremations, with dozens of people at the same time. And, at night, in some areas of New Delhi, the sky was blazing with flames. The sick person, without a bed, must lie down on the ground. Photo: New York Times. I waited for my turn to become infected Sickness and death were everywhere. Dozens of homes in my neighborhood have people infected. One of my colleagues is sick. My son’s teacher is also sick. The neighbor is two houses on the right side: Um. The two houses on the left: Um. “I don’t know what kind of illness I have,” said a good friend of mine who was in the hospital. “Just taking a breath and you will …”, his voice fades, unable to finish the sentence because he is too tired. He barely has a decent bed. And the medicine that the doctor prescribed for him is not in India. I was sitting in my house waiting for my turn to get sick. That is the feeling it is in New Delhi, as the world’s worst Covid-19 crisis is happening all around us. It’s out there, I’m here, and I feel as if it’s only a matter of time before I get sick. India is recording more infections every day, sometimes up to 350,000, more than any other country since the beginning of the pandemic, and that’s just the official numbers. Most experts believe that this number is lower than reality. The crematorium was overloaded, many bodies were waiting for their turn. Photo: New York Times. New Delhi, the vast capital of India’s 20 million people, is suffering from a huge spurt. A few days ago, the positive rate reached a staggering 36%. This means that more than a third of people tested are infected. A month ago, this figure was less than 3%. The disease spread so quickly that hospitals were completely flooded with sick people. Thousands of people were turned away. Medicine is exhausted. The same goes for lifesaving oxygen. Patients are trapped in long, tangled lines at the hospital gate or at home. They were gasping for breath, literally. Although New Delhi was blocked, the epidemic was still raging. Doctors across this city and some of Delhi’s top politicians are giving desperate SOS calls, both on social media and on TV, to beg for oxygen, medicine, and help. . It was as if war had just happened in India Experts have always warned that Covid-19 could devastate India completely. The country is vast with about 1.4 billion people, densely populated, and in many places, its inhabitants are still very poor. What we are witnessing is very different from last year, in the first wave of India. Then there is the fear of the unknown. Now we know. We know the overall disease, its size, its speed. We know how frightening this second wave is, it hits everyone at once. The outdoor collective cremation ground is constantly red and fiery. Photo: New York Times. What we feared in the first wave of last year is now coming to the fore: the disruption, the fall, the realization that so many people will die. As a foreign reporter for nearly 20 years, I traveled around war zones, was kidnapped in Iraq and sent to jail in many places. But this pandemic is worrisome in another way. There is no way to know if I, my wife, and two children are among those with mild illness and then recover well, or if we will be exhausted. And if we get really sick, where do we go? The intensive care areas are full. The entrance to many hospitals has been closed. A new strain here has a “double mutation” that can cause a lot of harm. Science has yet to delve into it, but as far as we know, one mutation makes the virus more contagious, and the other makes it partially resistant to the vaccine. Doctors are quite scared. I talked to a few people and they said that I had the vaccine twice but still got very sick. A Covid-19 patient is waiting to be hospitalized in South Delhi, April 24. Photo: New York Times. So what can we do? Personally, I try to stay optimistic, believing it to be one of the best immune system boosters. However, in reality, I find myself lazily walking indoors, cooking for the children in a lethargic state, feeling like both my mind and body are dough like wet powder. I’m afraid of checking my phone because I miss a text message telling my other friend that my friend is seriously ill, or worse. I am sure millions of people feel the same way. I began to visualize the symptoms: Did I have a sore throat? What is that headache? Is my condition worse today than yesterday? A part of where I live, South Delhi, is now blocked. Like many other places, we had a strict blockade last year. But now, the doctors here are warning us that the virus is more contagious and we have a lot less chance of getting help than the last wave. Therefore, many of us are frightened when we step outside, as if there is poison in the air and everyone is afraid of breathing. No one wears a mask, not even the police Delhi is plunged into hardships and dangers, but the situation is still getting worse. Epidemiologists say the number will continue to grow, possibly up to 500,000 new infections per day nationwide, and up to one million Indians will die from Covid-19 until August. It should not be like this. India was anti-epidemic well up until a few weeks ago, at least on the surface. The country closed its doors, experienced the first wave, then reopened. The mortality rate here is very low (at least according to official statistics). Last winter, life almost returned to normal. I was out for the news in January and February, driving through towns in Central India. Nobody – I mean, no one, not even the police – wear a mask. This is as if the country is telling itself: “It’s okay, we have it under control”, despite the wave of a second wave. But now, not many people dare to think like that anymore. Relatives of a Covid-19 victim were performing a religious ceremony during the funeral on April 24. Photo: New York Times. Many in India are also upset with the speed of the vaccination campaign. Less than 10% of the population has received one dose, and only 1.6% are fully vaccinated, even though India is producing two vaccines. “Catastrophic catastrophe” Here, as elsewhere, the rich are less affected by a crisis. But this time it was different. A friend of mine, well connected, asked all the people he knew to help his friend, a severe Covid-19 patient. His friend is dead. No one can help him in hospital. The patient is paralyzed. “I tried everything to get him a bed, but we couldn’t. Everything is chaotic, ”my friend said, his emotions still intact. “This is a disaster. This is murder ”. Every day, I ventured out to buy food because no one delivered it. I wear two masks completely and stay as far away from others as possible. Almost every day passed, a family of 4 of us all withered from inside. We try to play together, try not to talk about the people who just got sick, or the people running around town looking for help, and they probably won’t find it. Sometimes we just sat quietly in the living room, looking out at the sweet figs and palms. Through the open window, on long, hot, quiet afternoons, we can only hear two languages: the sound of an ambulance. And birds. ‘The dead cannot leave peacefully in New Delhi either’ India is suffering from a serious shortage of medical equipment and oxygen in the context of a rapidly increasing number of Covid-19 cases. The patient’s family had to wait languidly for the cremation.

A table chart where domestic and foreign guests are seated alternately is necessary to avoid acquaintances sitting together in separate groups, limiting communication. Pictured is the Consulate General of Vietnam in Kunming, China holding the Celebration and Reception on the occasion of the 75th National Day of Vietnam (September 2, 1945-2 / 9/2020).

The combination of the principles of the hierarchy and the specific conditions of the placement helps determine the position of each person at a ceremony, party or external event in general.

Right before left

As usual, the most important person is placed on the right side of the landlord, then the next person on the left and so on alternating next. In some cases, if the host and the attendee for any physical reason want reverse priority, the placement will be made according to the request, while discreetly informing other guests.

Alternating domestic and foreign guests

A table chart where domestic and foreign guests are seated alternately is necessary to avoid acquaintances sitting together in separate groups, limiting communication.

On the other hand, more attention is paid to inviting domestic guests than foreign ones. This difference avoids placing foreign guests at the top of the table.

Alternating between men and women

Men and women should be arranged alternately, and at the same time, pay attention to avoid placing women at the top of the table.

Separation of couples

The rules of alternating between men and women go with the rule of separating couples at the table to avoid the couple talking to each other during the meal, but forgetting about other people or they are taking each other lightly.

According to the custom, if the dining table conditions permit, do not arrange couples to face each other, but to sit on one side.

Pay attention to the similarities

People with common interests or domestic guests undertaking a task similar to that of a foreign visitor are usually assigned to sit at the table.