TAYA financial management, learning and education

HEADLINE: A NEW TECHNOLOGY TO OVERFLOW

The general public is interested in this issue.It is still difficult to understand this technical problem.Try to understand from an economical and common sense point of view to see if the layman can get a rough idea:

It's like it's easy for people to ignore what they can't seeLike indispensable oxygen, people often overlook the same vital thing in a market economy: trust.

Without trust, no deal is possible.B: Yes. If you go to the market to buy vegetables, you won't trade with the vegetable dealer if you suspect that they contain too much pesticide; if you go to a small store to buy a bottle of water, you won't sell it to you if the clerk doubts you're giving fake bills.

The traditional small-scale farming economy is the economy of acquaintance, trade regulations.The model is limited to familiar people in the village, and "trust" is also a big factor.If the trust cost increases dramatically beyond the reach of acquaintances, transactions will be hampered and transactions will be restricted.The scope of the change is expanded. In addition, different races, ethnic groups, cultures, religious beliefs, etc. will create a gap in trust.

The lack of mutual understanding between strangers.Transactions are difficult to make without the necessary trust.A market economy, on the other hand, is occurring in large numbers among strangers.The market economy has developed because a new mechanism has been created to solve the problem of trust among strangers.

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The most important thing to do so far is to solve the trust problem.The key mechanisms are "trust intermediaries" and models.The third person you trust with strangers is the trust broker, the government is the trust broker, and the bank is the trust broker.You sell the hard-earned goods to one.Stranger, you will not accept a few colorful bills without the credit of the issuing bank and the guarantee of government authority.

Now is the age of the global village, the age of the Internet.You sell your products to strangers who will never even meet, thousands of miles away, and transactions are even impossible without the guarantee of trust in an intermediary.Alipay acts as a trust broker, so e-commerce companies like Taobao are only 10 percent short.prosper quickly in a few years

Trust Broker in the entire trading system.It plays an important role in centralization.This is a centralized mechanism or model that has existed for thousands of years to help reduce the cost of trust between people, thereby facilitating the occurrence of transactions, increasing the frequency of transactions, and transactions.the expansion of the scope of the trade.

However, trusting intermediaries themselves is a cost.Yes, and often very large.Imagine that the tax paid to the government each year accounts for 30-40% of the average person's income; which industry is the most profitable today?Financial Services;Alipay-owned ant gold suits.With an annual profit of more than 10 billion yuan, Ma Yun became the richest man in China.All of this, in turn, represents a tremendous cost of trust for ordinary people.(Of course not among the transaction costs.)It's all about trust, but it's a big part.)

If there's anything we can do, we can cancel it or make it big.Lowering these trust costs will reduce transaction costs for the general public and significantly increase the benefits available.In the age of the Internet, blockchain technology has emerged.

Yes, blockchain is essentially a letter of resolution letter of resolution.information technology solutions to address issues and reduce trust costs.The application of blockchain technology can eliminate traditional trust intermediaries, overturn the traditional, centred old model that has existed for thousands of years, and eliminate the need for centralized trust intermediaries.In this case, you can significantly reduce the cost of trust by addressing the trust problem between strangers.

And that's usually almost everything about blockchain.It means "decentralization, de-trust" that is mentioned in the introduction.However, the term "trustless" can be misleading and confusing to ordinary people, because at any time.All transactions must be based on trust.In fact, it is much easier to understand if "decentralize and de-trust" is interpreted as "removing trust brokers."

What changed in blockchain technology was not the removal of letters.Im transforms traditional trust in centralized trust intermediaries into trust in the blockchain system itself, and in the data recorded in the blockchain.No transaction model based on blockchain technologyCentral organization, no central server.All transactions occur in client applications installed on individual computers or mobile phones.

If blockchain technology were widely used in the future, today,You no longer have to go to the bank to prove your income and property, or to the police station to prove whether you are married, or to let the personnel of the department prove your employment relationship, or to beat the endless red seal.An ugly face...all these are recorded in an untouchable blockchain, and it seems as if the whole world can be your witness when you need and authorize it.

How did this happen?It's about technology.It's a long story, but in a nutshell, from the first application of blockchain technology (so-called blockchain 1.0), how Bitcoin works, which is more familiar to the public.Yes.

The concept of blockchain was first introduced in 2008."Bitcoin: A Peer-to-Peer Electronic Cas" by Satoshi Nakamoto, founder of Bitcoin.h System).Blockchain can be understood as a technological solution for public accounting, and the basic idea can be understood by building an Internet site.Public books, in which all participating users on the network collectively keep and check their books, each person has the same book, all data is transparent and transparent, does not require a central server as a trust broker, and is guaranteed at the technical level.The authenticity, invariableness of information, that is, reliability.

Data invulnerability is critical.Because the system automatically compares them, the largest number of books with the same number of books will be considered real, while a small number of books that are different from others will be false.It's pointless for anyone to tamper with his books in this situation.Yes, unless you can tamper with most of the nodes in the entire system.For a blockchain system with thousands of clients distributed around the world, except for one person,The ability to control most of the world's computers is unlikely to otherwise tamper with such large blockchain.

In this case, it's recorded on the blockchain.Each transaction remains true, reliable, and transparent, and can be viewed by others (but the trader can be anonymous personally or organization), thus creating a kind of peace letter that does not require knowledge of an unfamiliar counterparty.Im, you can trade with confidence just by looking at the counterparty's currency and property on the blockchain itself.There's no need for a trust broker, the so-called "to trust."the true meaning of ''

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Because the blockchain has a large scale, number of scalable blocks.This is especially true because technology features such as transparency, transparency, and data consistency on a per-client basis that do not compromise the reliability of data security even if some clients are destroyed.Technology can be applied to all areas that can be digitized, such as digital currency, payment settlement, digital bills, certificates of interest, letters of credit, political services, medical records, etc.If blockchain technology develops, it can be said that it will be closely related to everyone in the future.

TAYA, learning and education
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HEADLINE: Challenges and Opportunities of Covid-19 Pandemic in Education

We're experiencing a global education that we might encounter in our lifetime.One of the biggest threats is the huge education crisis.As of March 28, 2020, Covid-19 has left more than 1.6 billion children and adolescents out of school in 161 countries, close to 80% of all children enrolled in schools worldwide.We are already experiencing a global learning crisis, in which many students, while attending school, do not acquire the basic skills necessary for life.The World Bank's "Learning Poverty" index, or the proportion of 10-year-olds who are unable to read and understand, accounted for 53 percent of all children in low- and middle-income countries before the outbreak.If we don't act quickly, the pandemic could make things worse.

In a situation where there is a direct impact on children and adolescents,What should we worry about at this stage of the crisis?1. Loss of learning.2. The dropout rate has increased.3.Children lose the most important meal of the day.Moreover, most countries have unequal educational systems, and poor children are more likely to suffer negatively.A leak in the house is often accompanied by rain.

Study. Postpone the start date of school or stop studying (depending on the south).The hemisphere or the Northern Hemisphere) has completely disrupted the lives of many children, parents and teachers.Distance learning strategies have a lot of potential and at least mitigate the impact.Developed countries are better prepared to move to online learning, but teachers and parents need to work hard and face many challenges.In middle-income countries and poor countries, the situation is mixed. If we do not take appropriate measures, the widespread inequality of opportunity will worsen.Many children do not have desks, textbooks, or Internet access, and do not have laptops at home, or parents do not support them.Other children have these conditions.We need to avoid, or minimize, this inequality of opportunity to be further widened, so that the crisis will have a greater impact on the learning of poor children.the negative impact of the project.

It is gratifying that we have seen many countries bring their creativity to full play.Creativity. Indeed, many education ministers worry that relying solely on online teaching means only benefiting relatively wealthy families.In most countries, the appropriate strategy is to use all available teaching models based on the existing infrastructure.Use online tools to ensure that some students and perhaps most teachers have access to curriculum plans, videos, tutorial materials, and other resources, as well as podcasts and other resources that use less data.In cooperation with telecommunications companies, the zero-rate policy also makes it easier for students to download learning materials through more popular smartphones.

Radio and television are also very powerful tools.Our strength today is that through social networks, education ministers can communicate effectively with parents and teachers, provide guidance, explanations and structures for learning processes, and use radio and television to deliver teaching content.Today's distance learning is not just online learning, but hybrid media learning, with the goal of benefiting more likely students.

students' participation, especially junior secondary school youth.The participation of students is crucial.Dropout rates remain high in many countries, and a chronic lack of participation could lead to higher dropout rates.Going to school is not just about learning math and science, but also about socializing and interacting with fellow students, learning how to be a citizen and developing social skills.That's why it's important to keep in touch with the school by any means necessary.It is also a time for all students to develop social-emotional skills and learn more about how to contribute to society as a citizen.The role of parents and families has always been of paramount importance, and is crucial to this task.Therefore, much of the help provided by the education minister through the media should also be directed to parents.You can use radio, television, andText messages give them tips and advice on how to better support their children.

School lunches. In many parts of the world, school lunches are planned for children.Providing them with the most important nutritious meal of the day is critical to cognitive development and well-being.School lunch programs are complex logistics and management tasks, but each country should try to provide student lunches systematically using school buildings, community buildings, or networks and distribute them directly to families if necessary.If delivery or delivery of food is logistically impracticable, the cash transfer plan should be expanded or implemented to subsidize parents.Plans need to be made, but they also need to be prepared for flexible adjustments, because the information we know about the path of the epidemic changes every day, affected by the uncertainty surrounding the prevention and control measures adopted by countries.The process of resuming schools may be gradual because the government wants to reduce the number of students,Or preventing the possibility of a second outbreak could affect some countries.In this context of uncertainty, it is better to make decisions based on hypothetical scenarios over a longer period of time than on a shorter period of time.The good news is that the improvements, initiatives, and investments that must be made in the school system could have positive and lasting effects.

Some countries will be able to improve teachers' digital skills.Radio and television will recognize their critical role in supporting national educational goals, and will hopefully improve the quality of their programs based on an understanding of their enormous social responsibilities.Parents will be more involved in their children's education, and the education minister will take customized action against technology gaps and challenges (connectivity, hardware, integration of digital tools in the curriculum, teacher readiness, etc.)All of this will strengthen the nation's future education system.

All education systems have the same mission: to overcome me.We are already experiencing learning crises and coping with the pandemic we face us.The challenge today is to minimize the negative impact of the epidemic on learning and education, and to return to the path of faster learning improvement based on this experience.As the education system responds to this crisis, it must consider how it can recover and become stronger, renew its responsibility, and deepen its understanding of the need to reduce inequality and ensure equal access to quality education for all children.

HEADLINE: One Lesson from Corona – We Have Not Learned On Inequality

Schools after the Covid-19 outbreak will be different, and this situation is largely caused by various actors.Parents, teachers, the media, the government, etc. will change their perception and perception of their role in education.This shift in perception will play a key role in the future of the education system.

Parents are now more aware of the need to work with schools to promote education for their children.They are well aware that they can play a major role in their children's education, and indeed they can.Parents who are currently trying to support their children's continued studies at home will be more aware that teachers are demanding and challenging.Parents are more grateful and clearly aware of their teachers and of what they have done.Education is a social experience – much of learning, much of creativity, and creativity come from students' social interactions with teachers and fellow students.Although some once argued that teachers could be replaced by artificial intelligence, it is clear that this is not the case today.

Teachers now recognize the importance of digital technology and how digital skills work.A key component of the toolbox.Without these skills and tools, it will be difficult to provide complementary education, impart knowledge that matches each student's grade, and meet the different needs of each student.Education ministries in each country recognize that without technology, they need it urgently to scale up the entire teachers.Career development opportunities will be very difficult.

It is now more clearly recognized by the media that television and radio are now in people's daily lives and teaching.Education still plays a critical role – responsible for the formation of individual personalities, the provision of social-emotional skills, and the provision of knowledge – and thus a crucial role in a country's education of children and young people.

A fundamental lesson from this outbreak is that we need to be more aware of education.There is a huge gap in equity in the field.Such gaps have become more pronounced, and the urgency to act on them has become clearer.

Society as a whole needs urgent action to address these gaps in several ways.

One aspect of the fairness gap is already evident in the policy discussion process.Before the outbreak, schools,It has not yet become an equalizing factor that gives people opportunities to develop their lives.Throughout the world and within each country, the quality of learning is highly dependent on the socioeconomic background.Some progress has been made on this front, but not enough.What is a successful country that ensures quality of education while ensuring that it does not or rarely happens to students?a country that ranks or categorizes phenomena.In these countries, the quality of a student's education depends on his or her family's income or wealth, race, gender, or birthplace.

With the outbreak, however, one thing became clear: in many low- and middle-income countries,Even in some high-income countries), school quality varies widely and is highly correlated with wealth and income levels and other variables, making schools, especially in poor areas, generally inadequate to adjust themselves to new conditions.Some (or a few) schools are able to offer online lessons, and their teachers are often paying dearly.The ability to switch to online teaching and to provide learning materials for students to use at home, to continue interacting with students, to monitor their progress and to provide feedback.However, many schools and teachers did not.While 30 countries have implemented distance learning strategies across multiple platforms, using online, television, radio, and social networks to benefit as many children as possible, the effectiveness of such mitigation strategies varies considerably.

The second aspect of the fairness gap is the huge digital divide: not only in hardware, Internet access, and adaptability.When there is a big difference in software, it is also evident that there is a huge shortage of teachers with digital skills.We know that the digital divide existed before, and now it is a slap in the face – a gap that prevents technology from becoming an important equalization factor with the potential to become.

The digital divide is manifested in many ways: One is that Internet access at home or school is still limited – compared to me.They are much more limited in their imagination.In low-income countries, only 10% of children have access to the Internet at home, and only 20% of schools have access to it.In many cases, Internet access is poor and expensive.In Latin America, only 50% of students have Internet access at home.Even in high-income countries, there are a lot of them.Children also do not have Internet access tools or are forced to share them with other family members.However, this gap is not limited to Internet access or hardware.Unfortunately, without the system capabilities to seamlessly integrate digital tools and curricula, hardware investments may not have a positive impact, even if they are useful.The digital divide is also marked by the lack of skills in many teachers.Today, people will be more digital than ever, with some schools or educational systems suddenly exposed to technology, some of them successful, and others less successful. Google Clashroom, Cloud Conferencing Platform Zoom, or Microsoft Teamwork Office Services PlatformTeams are open to more schools on the ground than ever before.More teachers and students will recognize their potential, and the shift in perception may be permanent.However, as many teachers are unprepared before and now, great efforts are urgently needed to keep up with the pace of technology development for all teachers and for all countries.

Closing the digital divide will require an indispensable change.This transformation is not a hardware and software transformation.Technology will never replace teachers, but it will increase their effectiveness.There are things that technology can't do.One child has less time to focus, the other needs encouragement or other help—to invest in the teacher's digital skills, find the right balance between technology and humanistic factors.

A third source of inequality is that the epidemic highlights the fact that education is not just happening in schools, but also in schools.It happened at home, and it became clear during this outbreak.Not all children have a stable home environment or are better educated or motivated (and more importantly) parents; not all children have access to the Internet at home or have computers or specialized Internet access tools; and not all children have home ownership.There is room for books or learning – another aspect of equalization of opportunity.

A few months ago, we had a discussion about how the world today can weather the learning crisis.As it stands, the situation is more challenging, with levels of inequality rising significantly.As the education system moves toward a new normal, learning strategies in the coming months should not only give children fairer school experiences, but also more comprehensive and resilient education opportunities.On campus, the combination of personalized learning and distance learning will be completely new.the reality of learning life.As the education process continues at home, efforts are needed to provide poor children with the Internet and Internet access tools.Children should have books and reading materials in their homes, and parents should receive active support in order to play the main role in their children's education.

Education involves both technologies that enhance the role of teachers and collaboration among teachers, parents and communities.It also involves ensuring that each child receives the support he or she needs.This will not be easy, and it will require significant adjustments by actors to adapt to the new situation.But good things never come easily.
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HEADLINE: How to manage your finances with a monthly salary of 3000

In a small city on the 18th line, 3,000 a month is the biggest.the wage level of some peopleHow can I manage my money in the face of 3000?

In fact, the cost of living varies from place to place.It's different, so local factors and financial management methods are different.

When I read an article today, I read it very well.But the different ways of managing money with different salaries are also simple to share, and there are good things to learn from.

First of all, low-paid people, like me.In each city, the monthly income of 3,000 is basically spent on daily living expenses, and there is hardly any surplus capital left over from the end of the year to year.Kim. In this case, the focus of money management should be on saving money before opening up resources.Investigate what is unreasonable expenditure per monthOut, if overdraft and overdraft occur, adjust in time and do not waste money on meaningless things.There is also an important aspect of self-improvement.Your job skills make you more likely to get promoted and raise your salary.

The second is the average wage earner.Salaried workers have a relatively small balance beyond their living expenses and have some investment capacity.If you put your spare money in the bank, you'll get a profit.Interest rates will not beat inflation.It is possible to plan household property well and invest steadily.It depends on personal and family conditions.Good long-term and short-term financial goals, such as how much you save each month, how much you earn each year, and then allocate it appropriately, save emergency funds, and allocate insurance.make a sound investment on the premise thatFor example, invest in funds or stocks to reduce risk.

Finally, high-salary people.Living expenses are stress-free and have a much looser investment capital.High-salary people also need to spend reasonably and actively invest.Optional return on investmentProducts with higher returns, such as stocks and open funds, are actively making money through various channels.

Overall, the key objective of financial management is toKnow your financial situation, consume reasonably, allocate your money well, and actively invest within your capabilities.Make more wealth and try to live comfortably and happily.Learning to manage property properly is something that everyone has to face.No matter how much you earn, it's never too late to try to increase your wealth.

HEADLINE: Everything for you - the long-term savings function of the pension

It's a nice day and the weather is clear.

The theme is, "It's said that the value of a thing can only be determined by the precipitation of time."People know; others think it's not enough.”

The value of a thing is presented to people over time. Value.It could be worn out. It's all about us.in advance.

People's perception of pensions is often based on returns and return on investment.Compare, not on a long time scale.Worry, and those important things in the future will be overlooked.

An annuity can be defined as "the number of series scheduled for a given period of time".future definitive payment"It gives you a great sense of security in your life and the certainty of fulfilling your family responsibilities.

Health insurance and accident insurance face an uncertain future, serious illness, or accident.There's a certain probability that everything will happen. Pension insurance.It's a financial reserve for a definite future.

Whether it's education, old age, or inheritance of wealth, the essence is to help people.Planned, targeted, and efficient long-term savings。

People generally pay more attention to making money than to saving money.What's the rate? Actually, saving money and making money.Pension insurance was originally designed to help people save money, not make money.

clean up one's spending habits

But most people might think, "You can't save money." They're doing family finances.The first thing you need to do in the course of business consultation is...Summarize your family's past financial practices and spending habits, such as saving money earned in the past or money earned in the past.Or did they all contribute to the Internet?And what percentage of consumption is effective?

A while ago, a female client, 600,000 won a year, came to consult for pension insurance.At first, they were more interested in profits.

I'm just saying, let's not focus on profits, but the interest rates of insurance companies.It won't be much different. We need to sort out our spending first.get used to

She said, "Half of the money was spent and a lot of things were left unattended."Fewer than one-third of them work.“

"You see, your real consumer demand represents only one percent of income," I continued.Five percent. If you ask me to give you 10 percent a year,If you save a premium and spend the rest of your money, won't you buy less useless things?“

"Yes, it is."

You will find in ten years that you have not substantially reduced the quality of life,But I've got at least a million dollars saved.I think it's good to take your child to school, take your parents on a trip, and do whatever you want."

It's not that many people don't know the benefits of saving, but they just never look at themselves.Their consumption habits, so-called pursuit of heights,The quality of life may not really be enjoyed, nor may it be efficient.

Achieve long-term and effective capital growth

With long-term savings, money can be saved, and pension insurance is a special policy.What are the advantages of financial instruments?

Most financial products are calculated after three or four days of purchase.T+1 and T+2 business days laterI'll be out of interest for a week's interest is gone.If it's a short-term financial product for a few months, you'll lose five or six days of interest every time.In addition to all kinds of holidays, the interest rate for nearly two months in a year has disappeared.Over the next ten or twenty years, the profits over several years have been worn away.

And most of the bank's wealth management products are interest-bearing at single interest rates, while annuity insurance.It's a compound interest rate, say, a million, for example.If you use 5 percent interest per year, that's 50,000 a year.If we don't cut interest rates, the original million is four.0 After that, it became 3 million.However, at compound interest rates, one million won has changed to 7.03 million in 40 years.

In recent decades, the country's base interest rate has generally been down, and future interest rates have also been down.The bottom-line interest rate on annuity insurance may fluctuates.It is written in the contract that the interest rate on pension insurance will remain the same no matter how the market changes in the future, which will withstand the risk of future interest rate cuts.And the longer the timeline, the better.

You can handle risks.

The long-term advantages of pension insurance are clear and guaranteed in the long term.What should I do with the extra money?

Well, this money is a long-term savings account, so I recommend you to stay as still as possible.But there are uncertain opportunities and risks in everyone's life.In case of an emergency or a business opportunity, I'm sure I can make much more money than I did in the year of this policy.What about this opportunity to live? In fact, it can be done by receiving a certain amount of money.In addition, you can use the policy loan function to make sure that the policy portion is not compromised.The cash value is lent for emergency use.This flexibility can give us a great sense of security.