“Spend Less Than Earn” Part I
Hello friends with you BigDocIriya and I want to share a financial life hack. Life hack of your whole life and mine too.
You have actually heard more than once from friends or relatives that it is necessary to save and save money, but you still don’t want to understand this... All you need to do is learn four words, here they are: “Spend Less Than Earn”.
I have a couple of friends with large incomes, even more than yours, but they have no savings, they have: a new car, a big beautiful one on credit, a small apartment for rent, of course a fur coat, but not even one, children wear "burberry moschino", they always have beautiful designer dishes "villeroy boch" in their kitchens. They seem to have everything, but there is only one thing - money. They always buy what they want.
But today's life hack is the exact opposite. You need to earn now, and spend later, that's all the thousands of pages of books on self-development, on attracting wealth, fits into these four words. And it doesn't matter what your financial situation is, it doesn't matter how much you earn and how much you spend. There is only one basis for a well-to-do life - to spend less than earn.
Think about what corporations do. Well, a corporation is just a money making machine. The main idea is a positive cashflow whose surplus is invested in even greater future cashflow. Business values revenue more than anything else. That is why salespeople usually earn more than other employees of the company. Why? Because revenue solves any problem. Well, in your case, your salary is revenue. Many are focusing on costs, savings, and that might seem like the right thing to do. But you need to understand that by saving, the average person cannot save the average amount of money, because the rich save much more.
The problem, as a rule, is just with the proceeds. So it is much more difficult to increase it, but perhaps it is worth concentrating more on this.
It seems that everything is in order when you have a job and you are regularly paid for it. But financial problems for people usually arise due to the fact that work suddenly did not become or a suitable position is occupied and it is difficult to find it, but there are no savings. Because if you have a stable income, then a car breakdown is not terrible for you, most health problems are not terrible either, and even if you do not have savings, you can borrow money for a future salary, or using a credit card there, for example.
TOP 5 android apps that I install on my smartphone first
I want to share my favorite applications on my smartphone, maybe the article will be useful to someone and someone will even start using the applications I have proposed. *This is not a professional review.*
5th place Ampere https://play.google.com/store/apps/details?id=com.gombosdev.ampere&hl=ru&gl=US
Many of us have come across the fact that after about a year of using the phone, the battery starts to drain quickly. To prevent this from happening, I began to monitor the consumption of battery capacity in real time, in order to see which applications or phone modes most of all “kill” our battery. The Ampere application helped me with this, which calculates the current consumption of the charge in mA (Ampere-hour), as well as its state and temperature. Especially temperatures, because strong heating over 50 degrees starts killing your battery capacity. Using this app has been saving my battery for 3 years now, and the battery life has barely changed compared to the phone I just bought!
Google Play: Ampere https://play.google.com/store/apps/details?id=com.gombosdev.ampere&hl=ru&gl=US
4th place Maps.me https://maps.me
In fourth place, by necessity, I have the Maps.me application, which helps me navigate in unfamiliar terrain. This application with the ability to download detailed offline maps, anywhere in the world, and use without the Internet, is very useful, especially if you do not like to use the Internet via a SIM card. This applicatioscreenshot from my phonen has helped me out more than once in an unfamiliar city or street!
Official site: https://maps.me
3rd place Smart AudioBook Player
Smart Audiobook A very useful and convenient application if you like to listen to audiobooks whether you are on the road or for a walk, or just lie in bed before going to bed and listen to interesting stories. With this application, I have already listened to over 200 hours of various audiobooks. Now I can't help but have this application on my phone!
Google Play: Smart AudioBook Player https://play.google.com/store/apps/details?id=ak.alizandro.smartaudiobookplayer&hl=ru&gl=US
2nd place Telegram
Telegram for friends, WhatsUp for relatives) This summer I finally abandoned the social network Vkontakte.This is the receiver of the well-known FaceBook, only it is more used in the territory of the CIS countries. And he refused because of non-compliance with the constitution in terms of the secrecy of correspondence, and in general in Russia they began to imprison for posts on the wall or in groups for a term of 4 years in prison. Therefore, for me, Telegram is a good alternative to a secure messenger. I still don't understand why many of my friends use terrible social networks without end-to-end encryption...
Google Play: Telegram https://play.google.com/store/apps/details?id=org.telegram.messenger&hl=ru&gl=US
1 place jetAudio HD Music Player Plus
And the very first application that I install on my phone is an application for comfortable listening to my favorite artists and songs. I will not list all the features of the player, I will just say that for me as a music lover, this is the best application for listening to your favorite tracks! Well, I will highlight a few advantages) this is a detailed Equalizer and a lot of sound processors, overlay effects, up to individual models of headphones or speakers, there are filters. Well, for perfectionists, there is work with track tags, etc.
Google Play: jetAudio HD Music Player Plus https://play.google.com/store/apps/details?id=com.jetappfactory.jetaudioplus&hl=ru&gl=US
My first university publication
**Nontechnical methods ofinformation protection: Automation of a profayling in IS (**Information Security)
Kuts I.V., 4th year student of the Department of Information Security
Abstract - The technique of automating the system for collecting information from employees and compiling by the nature of the letter, as well as facial muscles, the social type of personality is considered.
1. Introduction
One of the methods of non-technical protection of information, which makes it possible with a high degree of probability to identify persons prone to committing illegal actions, is profiling.
2. Main part
With the growth of technical capabilities to ensure the security of information, the human factor remains unchanged, which leads to the fact that the main channels of information leakage come to human nature. Unauthorized leakage of information is possible as a deliberate or accidental impact.
Profiling methods are based on verbal and non-verbal cues that can be used to determine the true state of affairs. Verbal signs are human speech, statement of thought, intonation, etc. Non-verbal is a "sign language" that corresponds to the thoughts, emotions and desires of a person [1].
For a more accurate determination of the state of a person, it is necessary to take into account both verbal and non-verbal signals.
Every day more and more people communicate through social networks or instant messengers. And let's say, if you get to know a person you don't know and correspond for some time with him, then after a while you can draw up an approximate psychological portrait. Even a person who does not have a knowledge base of psychology behind his back, but using his experience and intuition. A person who has sufficient knowledge in psychology can draw up an accurate portrait of his interlocutor by asking various questions that affect certain feelings of a person and cause various reactions. The formulation of thoughts, errors in writing, punctuation marks, etc. also figure prominently. [2].
Some people are good at controlling facial expressions and gestures, when communicating, choosing the right words, but non-verbal signs such as rapid breathing, dilated pupils, redness of the skin and other expressions cannot be controlled. Therefore, non-verbal channels provide sufficiently reliable information about a person to find out the emotional state of a person and his intentions [3].
The main problem for the enterprise is that it is impossible to monitor the personnel constantly, since it is time-consuming to conduct interviews with each employee and such operations can be carried out no more than once a month. The services of a profiler are also quite expensive, which makes it impossible to conduct such interviews often. Also, do not forget about the psychological stress on staff with frequent such interviews. Making a conclusion, it should be noted that it is required to create a profiling system in which it will be necessary to reduce human participation in the process, replacing it with technical means, thereby saving on finances and time spent on personal profiling.
Consider the possible models of profiling systems that should be included in the work of an enterprise with personnel who have access to confidential information.
Since profiling is based on two features, we will consider each separately.
When automating a person's verbal behavior, access to more personal correspondence between staff is required, since non-business texts contain a more open writing style that the system can work with to compose a psychological portrait of a person. Also, in addition to written messages, oral speech is not a little important, whether it is a telephone conversation or live communication. It is also possible for the system to determine intonation, tempo, excitement, etc. The longer the system is running, the more it collects data about employees, which gives a more accurate assessment of the psychological state.
Automating non-verbal behavior requires constant filming of staff during the work process and during breaks. In order for the system to be able to determine the "unusual" behavior, a large base of basic emotions is required, from which the system should build on the emotional portrait, which allows to determine the state of a person, according to the dominant emotions that are manifested in certain muscles of the face, present at a certain period of time the observed person.
3. Conclusion
For a more complete protection of information from unauthorized access, it is required to use the profiling functionality, as well as its automation for continuous monitoring, which gives more accurate results in identifying threats.
4. References
[1] Shultz DP, Shultz S. History of modern psychology/Per. from English A.V. Govorunov, V.I. Kuzin, L. L. Tsaruk / Eurasia, 2002 .- 532 p.
[2] Joe Navaro, Marvin Karlinks, I see what you are thinking/Potpourri, 2009. - 51 p.
[3] Floyd Bloom, Brain, Mind and Behavior/Floyd Bloom. - M .: Mir, 1988 .-248 p.
Programming Python.COM Objects in Django
Abstract: This article provides an introduction to Python programming using the Django framework. Creation of a virtual environment and installation of libraries. An example of working with ActivePython and COM objects.
Python is currently one of the most demanded programming languages. Python is easy to use and is also an object oriented programming language.
One of the best tools for developing web services in the Python programming language is the Django framework. The Django library also has ready-made templates for registration, authorization, the administrator part is created automatically, which saves a sufficient amount of time.
Pros of using Django:
Availability of the administrative part;
Selection of ready-made templates;
Extensive documentation;
Sufficiently high speed of work.
COM objects are a standard defined by Microsoft. Thanks to COM objects, it is possible to open word, excel, power point, etc.
COM objects are included in the ActivePython distribution.
With the help of Django, it is possible to implement a web service with a call to Word or Excel, write existing data, save. To get started, you need to install a virtual environment (`virtualenv`), direct installation of the Django framework.
Creating a virtual environment in Python39:
C:\myproject>C:\Python39\Scripts\virtualenv.exe venv
The first part `"C:\myproject>"` - is the current directory.
The second part `"C:\Python39\Scripts\virtualenv.exe"` - is the path where the virtual environment is installed (the virtual environment is installed: `C:\Python39\Scripts\pip install virtualenv`).
The third part of `venv` is the name of the virtual environment.
After installing the Django libraries using `pip install Django`
Creating a function in views.py in Figure 1.
To work with COM objects, you need to use `win32com.client`.
In this function `import win32com.client as client`.
`word = client.Dispatch ("Word.Application")` - work with **word**, if you need to work with other office applications instead of the word `word` set the name of the application (for example `Excel.Application`).
`doc = word.Documents.Open (“C:\\myproject\\Test.rtf”)` - opening word, in this case a rtf (Rich Text format) file.
The installed **rtf** file has a MergeField field, you must use the macros built into Microsoft Office.
After opening the word of the document, it finds the first macro and replaces this macro with the number 123. Saves the changes and exits with word, you need to release the word from their processes.
This example covered a simple way to call and write COM objects in Python in Django. In a more in - depth study, it is possible to automate data entry in word, excel, etc. on the developed site.
One of the biggest drawbacks of using `win32com` is the inability to deploy on a **linux** server. Which is a big problem since `win32com` was developed specifically for Windows.
Chinese miners mine cryptocurrency on laptops, is it profitable?
A new mining method is gradually gaining popularity in China. The price of the Ethereum cryptocurrency has grown so much that it has become profitable to mine it on laptops.
Since the end of November, the value of the Ethereum (ETH) cryptocurrency has tripled. In China, miners are rumored to be lining up for Nvidia graphics cards, hoping to buy them in bulk, bypassing distributors. Some AIB partners of manufacturers agree to sell graphics cards to miners directly because these customers usually pay a third more than any distributor and agree to a limited or no warranty.
Nvidia recently introduced a line of GeForce RTX 30 mobile graphics cards. Laptop manufacturers have already released a number of models equipped with Nvidia graphics cards and AMD Ryzen 5000 series or Intel processors. Miners in China also drew attention to the new models. As you can see in the photos posted by BTCer Weibo users, some of them are mining cryptocurrency using laptops with Nvidia graphics cards.
Just how absurdly profitable mining Ethereum cryptocurrency with a laptop has become, was demonstrated (purely for entertainment purposes) by a digital content creator with the pseudonym Fish Pond F2pool from the Bilibili platform.
The girl took with her a laptop equipped with a mobile video card GeForce RTX 3060 and went to drink coffee at the local Starbucks. Plugging the device into an outlet, she earned 0.00053 ETH in two hours sitting in a cafe, which is equivalent to $ 1.82 - quite enough to pay for the purchased cup of coffee.
Ethereum is currently trading at just over $ 3400, up from $ 2300 a month ago.
History of Cryptocurrency in RUSSIA II
In January 2021, the Ministry of Finance published a bill according to which the turnover of cryptocurrency in the Russian Federation will be regulated. It will not be possible to pay with it in stores, since it is not legal tender. But cryptocurrency is a separate type of property presented in electronic form. Almost all states already know that this is mining and cryptocurrency. But not everyone knows what started the history of electronic money in Russia.
Stages of the emergence and development of cryptocurrency
For the first time, they heard about cryptocurrency in the Russian Federation in 2009. Then bitcoin was developed. This is electronic money that could be bought without the participation of banks and other intermediaries. And now it is the most popular cryptocurrency.
But until 2014, practically no one knew anything about Bitcoin and other electronic money in the Russian Federation. At the end of January 2014, the Central Bank of the Russian Federation ***issued a warning***, according to which it became known that exchanging and issuing bitcoin is equivalent to **terrorist financing**. And already next month, law enforcement agencies, led by the General Prosecutor's Office, began to fight against cryptocurrencies. But most of all, they were persecuted by offenders who used virtual currency for illegal purposes.
**Prohibition of cryptocurrency**
The head of the FDCS (Federal Drug Control Service), Viktor Ivanov, announced that the drug lords are paying with their suppliers with the help of bitcoin. Forbidden actions by the authorities continued to gain momentum. First, the Ministry of Finance ***proposed*** to **fine** Russians for personal use of bitcoin by 50,000 rubles(~700$). But it later introduced **criminal penalties** for issuing cryptocurrencies.
But in the summer of 2015, the Central Bank became more loyal to electronic money. Then it became known that he would allow some operations with bitcoins and other types of cryptocurrencies. The first to speak out **against the ban** on cryptocurrency in Russia was the head of "SberBank", German Gref. And already in 2016, he said that he himself ****has a contribution to Bitcoin****.
The Ministry of Finance in 2015 called the cryptocurrency a **monetary surrogate**. But at the same time, it did not stop work on the law, according to which citizens of the Russian Federation face **criminal liability** for using bitcoin.
**Small fracture**
In 2017, there was a slight change. Information about cryptocurrency has appeared in almost all media. **The authorities realized that it was foolish to ignore electronic money, let alone ban it**. The Deputy Chairman of the Bank of Russia announced the need to assign the status of a national cryptocurrency. Some authorities have expressed a desire for the **free development of electronic money** in the Russian Federation. In October 2017, Russian President **Vladimir Putin** issued a decree for the "Central Bank". Until July 1, 2018, he was obliged to prepare amendments on the regulation of electronic money.
Many financial experts believe that cryptocurrency will have a dubious future. According to their calculations, the release of bitcoin will end in ****2045****. And the Prime Minister of the State **Dmitry Medvedev** believes that electronic money can be compared with the Internet companies of the 1990s, which everyone has long forgotten about.
Conclusion
Cryptocurrency in the Russian Federation has come a long way from prohibitive to absolutely liberal measures. But the director of the Center for Economic Research at Synergy University believes that the majority of Russian citizens will be able to get used to bitcoin and other types of electronic money only after 20 years. But this is only possible if the people are allowed to use cryptocurrency without restrictions.
Russian cryptocurrency
Currently, payment for goods and services via the Internet via e-wallets or transfers from bank cards has become a common operation for Russia. Against this background, cryptocurrencies stand out - unsecured virtual digital money, as a prospect for the development of purchase and sale transactions without the transfer of real money.
The popularity of cryptocurrency is increasing every year, and little by little it seeps into Russia. Bitcoin is by far the most popular cryptocurrency in the world. In September 2015, the Russian payment system Qiwi announced its intention to launch the "**bitruble**" cryptocurrency as an alternative to bitcoin in 2016.
Qiwi became the first company to try to issue cryptocurrency in Russia. However, Russian **officials oppose** the virtualization of currencies, since they can be used for money laundering and terrorist sponsorship. In January 2014, the central bank announced its position on bitcoin for the first time. The regulator warned Russian citizens against using cryptocurrency and equated bitcoins to monetary surrogates.
****Is Russia ready to accept digital money when a fairly large percentage of the mature population does not even trust credit and bank cards?****
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