... profits but require experience and readiness for losses. The key is to diversify investments: do not put the entire capital into one instrument. Before investing substantial amounts, it is beneficial for novices to gain foundational knowledge about financial markets. We recommend studying information from reliable sources, reading analytical materials, and consulting with professionals as needed. Subscribe to financial news and expert blogs to stay informed about market changes—this will help ...

... experts expect reductions to 22–23% in 2025 (if the key rate remains stable). There are also riskier issues with coupons ranging from 30–36% for seasoned investors. Risks. The primary risk of corporate bonds is default or deterioration in the issuer's financial standing. Many companies must pay high interest rates on loans due to the rise of the Bank of Russia's base rate. Evaluating the issuer's credit rating, debt load, and business reserves is crucial when selecting bonds. During declines in bond ...

... returns when held, theoretically decreasing their attractiveness compared to, say, Treasury bonds or bank deposits. On the other hand, stablecoin issuers, by investing reserves in high-yield short-term bonds, achieve substantial profits, enhancing the financial stability of their tokens. In 2024, Tether Ltd, the issuer of USDT, demonstrated record revenue from interest on reserve assets, positively impacting its capital and resilience to market shocks. Global Financial Trends. The global economy in ...

... such an atmosphere, she adopts a pessimistic view of the world and ineffective ways of coping with difficulties — increasing the risk of future depression. Stressful Family Climate. The depressed state of a parent often accompanies life difficulties (financial problems, social isolation, conflicts), creating a constant stress backdrop for the child. Growing up in conditions of instability undermines psychological resilience: the child lives in anxiety and lacks a sense of security. Maternal depression ...

... thefts in London into a problem of unprecedented scale. Representatives of the London police describe the situation as an emerging "epidemic" of crimes orchestrated by organized groups. According to estimates from Scotland Yard, the annual financial impact of phone thefts on London residents and visitors is at least £70 million. The average value of each stolen device is around £1,200, with approximately 80% of stolen gadgets being iPhones. Phones are particularly often stolen during ...