Q Ax http://q-ax.com/ Tue, 18 Jan 2022 16:00:09 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://q-ax.com/wp-content/uploads/2021/05/q-ax-icon-150x150.png Q Ax http://q-ax.com/ 32 32 Are “Buy Now, Pay Later” Plans Better Than Credit Cards? https://q-ax.com/are-buy-now-pay-later-plans-better-than-credit-cards/ Tue, 18 Jan 2022 16:00:09 +0000 https://q-ax.com/are-buy-now-pay-later-plans-better-than-credit-cards/

Image source: Getty Images

In some ways, yes, but there are also risks.

Key points

  • Buy now, pay later plans allow you to pay for your purchases over time.
  • Although these plans offer some advantages over credit cards, they are not necessarily a better choice.

The idea of ​​paying for purchases over time is not new. Years ago, stores typically offered layaway plans for people who couldn’t afford the items they wanted right away. And credit cards have long been a way to help consumers pay for products over time, albeit at a cost.

But in recent years, “Buy Now, Pay Later” plans, or BNPL plans, have become an increasingly popular financing option. These plans allow consumers to put down a deposit on their purchases, bring their items back from the store (or have them shipped, in the case of online purchases), and pay them back in installments.

The great thing about BNPL plans is that they don’t charge interest upfront like credit cards do when you have a balance. Typically, you have about three months to pay off your purchase under an BNPL plan. Stick to this arrangement and make your payments on time, and you won’t have to pay interest or fees.

It is for this reason that consumers increasingly prefer BNPL plans to credit cards. But are they a better choice for financing purchases? Not necessarily.

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The danger of BNPL projects

While BNPL plans don’t charge automatic interest the way credit cards do when you carry a balance, they also make it easier to qualify for installment agreements. And that’s not necessarily a good thing.

When you apply to use a BNPL plan, there is usually no credit check involved. You might end up agreeing to a payment plan you can’t afford, running the risk of falling behind. And this is where things get risky.

If you do not make your BNPL plan payments, you will be pay interest on your purchases and possibly face a multitude of fees. Also, at this point, your negative payment activity may be reported to the credit bureaus. Once this information appears on your credit report, your credit score could drop and it could become more difficult to borrow money when you need it.

In fact, the Consumer Financial Protection Bureau recently issued a warning about BNPL’s plans and the dangers they pose to consumers. While it’s easy to argue that credit cards open the door to equally troubling consequences, credit cards may be better understood by consumers than BNPL plans because they’ve been around longer and have different requirements. different regulations to follow.

Should I use a BNPL plan or a credit card?

If you’re looking to finance a purchase that you know you can pay for in a few months (for example, the money is already in your savings account but you’d rather not withdraw it all at once), then you may be very well moving forward with a BNPL plan. And you might be better served using a credit card rather than a credit card in this case, because a credit card will usually charge you interest if you pay off your purchase within a few months.

But otherwise, you should proceed with caution when using BNPL plans in the same way that you should do your best not to charge items to your credit cards that you cannot pay by the time your bills come due. . Also, while it may be okay to use BNPL plans for larger, planned purchases, they’re not really intended for day-to-day purchases.

Additionally, BNPL plans do not offer cash back or rewards for everyday items like credit cards do. So don’t rush to replace your credit cards with BNPL packages. In fact, there’s no reason not to use credit cards and BNPL plans at the same time – as long as you fully understand what you’re signing up for.

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Wall Street opening lower led by Goldman and the banks – WHIO TV 7 and WHIO Radio https://q-ax.com/wall-street-opening-lower-led-by-goldman-and-the-banks-whio-tv-7-and-whio-radio/ Tue, 18 Jan 2022 14:45:50 +0000 https://q-ax.com/wall-street-opening-lower-led-by-goldman-and-the-banks-whio-tv-7-and-whio-radio/

TOKYO — (AP) — Stocks tumble at Wall Street’s open on Monday, after global markets fell as the S&P 500 extended its slide for a third straight week. Big banks including Goldman Sachs and Morgan Stanley lead the decline, while the Dow Jones Industrial Average and Nasdaq Composite are also down. Goldman said its fourth-quarter profits fell 13% from a year earlier, largely because the bank was preparing to pay hefty payrolls to staff. Microsoft is falling after announcing it would buy video game maker Activision Blizzard for nearly $69 billion.

THIS IS A BREAKING NEWS UPDATE. AP’s earlier history appears below.

Global stocks were mostly weaker on Tuesday after a U.S. public holiday, while oil prices jumped following an attack on an oil facility in the UAE capital that killed at least three people.

Benchmark U.S. crude rose $1.44, or 1.7%, to $85.26 a barrel in electronic trading on the New York Mercantile Exchange. It gained $1.70 to $83.82 a barrel on Monday.

Brent crude, the basis for international oil pricing, added $1.05 to $87.53 a barrel.

Satellite photos obtained by The Associated Press on Tuesday appeared to show the aftermath of the attack, which was claimed by Houthi rebels in Yemen.

In Europe, the French CAC 40 fell 1.2% in early trading to 7,117.76, while the German DAX slipped 1.0% to 15,767.35. Britain’s FTSE 100 fell 0.7% to 7,555.82. The Dow Industrials futures were down 0.6% at 35,577.00. The S&P 500 future fell nearly 1.0% to 4,610.50.

The 2-year Treasury note rose above 1%, adding to expectations that the US Federal Reserve will soon raise rates to counter inflation.

Rising bond yields tend to put pressure on equities as investors reassess their asset allocations and take a closer look at stock prices, especially high-value ones.

The 10-year Treasury yield was 1.84% on Tuesday. It has also increased in recent days.

“General sentiments may still tilt towards some caution as some market participants may refrain from taking more risk. This comes amid a quiet US calendar ahead and lack of comment from policy officials Fed at the FOMC meeting next week,” Yeap Jun Rong, market strategist at IG in Singapore, said in a comment.

The Bank of Japan concluded a two-day policy meeting with no major changes. Its benchmark interest rate remains at a level of minus 0.1%.

Price increases in Japan were less pronounced than in the United States and some other countries, although the central bank raised its inflation forecast for the fiscal year which begins in April to 1.1% against an estimate previous 0.9%.

The Japanese central bank’s super accommodative monetary policy is expected to remain unchanged for now as the country grapples with a surge in cases of COVID infections triggered by the omicron variant.

The recent sudden increase in reported cases is likely to dampen economic activity. Japan, which has not seen pandemic shutdowns, has gone through periods of restrictions to curb the spread of COVID-19, with most restaurants and bars closing early. These restrictions are expected to expand this week to about a third of the country, including Tokyo.

Japan’s benchmark Nikkei 225 fell 0.3% to 28,257.25. Australia’s S&P/ASX 200 fell 0.1% to 7,408.80. The South Korean Kospi fell 0.9% to 2,864.24. Hong Kong’s Hang Seng slipped 0.4% to 24,112.78, while the Shanghai Composite rose 0.8% to 3,569.91.

In currency trading, the US dollar fell from 114.62 yen to 114.71 Japanese yen. The euro traded at $1.1397, down from $1.1410.


Yuri Kageyama is on Twitter https://twitter.com/yurikageyama

City Guide: Where to shop till you drop in Bangkok https://q-ax.com/city-guide-where-to-shop-till-you-drop-in-bangkok/ Tue, 18 Jan 2022 03:11:55 +0000 https://q-ax.com/city-guide-where-to-shop-till-you-drop-in-bangkok/

Bangkok is known worldwide for its markets, temples, street food, walking streets, tuk tuks and ladyboys, to name a few. But this bustling city also offers a dazzling array of shopping venues. From its countless colorful night markets delivering a bargain hunter’s dream to the glitz and glamor of high-end malls – which one is best for you? We understand that travelers can be dazed by the maze of shopping craze in Bangkok, with the sheer amount of options that seem to entice you to spend your baht on every corner.

This is where Pete comes in to save you from your consumer headaches and help you find the best value for your baht. He curated this list of the best shopping malls in Bangkok, for those who want to browse the best deals this bustling capital has to offer – complete with food courts, caffeinated drinks and air conditioning. And of course, lots of free WiFi.


Located along the Chaopraya River, you can take a water taxi across the river to Chinatown and enter the mall from the pier. This takes the cake for the best view and air-conditioned atmosphere. On the side of the pier, the viewpoint offers a breathtaking view of the river. For all you IG lovers, be prepared to spend some time taking photos by the pier with the palace-like glass and gold mall in the background. Besides the view, there are many luxury brand stores here, from Louis Vuitton to Guicci, Prada to Hermès, as well as fast fashion stores like H&M and UNIQLO. The mall’s wide selection of restaurants and cafes, coupled with its large cinema, are sure to satisfy foodies or movie buffs of all kinds.

Central Embassy

Central Embassy is the very definition of luxury shopping. It has a large collection of designer brands as well as fine dining and a classy cinema that other places can’t beat. If you want the best of the best, Central Embassy might just be your best bet. It is also relatively quiet, providing a more peaceful shopping experience. The top floor houses the luxurious VIP cinemas – where the cheapest “sofa” seat costs THB 1,500. It’s also recently been renovated into a hip coworking space called Open House, where you can rent an office by the hour or use the public space for the price of a cup of coffee – for all digital nomads. The mall is also connected to the neighboring mall, Central Chidlom, and can be reached by BTS station Ploen Chit or Chidlom respectively.


MBK is one of the most popular malls among tourists and travellers, and for good reason. There is something for everyone here. From countless boutiques selling counterfeit clothing brands to electronics stores where you can buy the latest phones, video games and accessories, with a food court, cinema and arcade, this is a warrior’s oasis of the weekend. Most stores are reasonably inexpensive. It’s important to walk around and bargain, as some stores may give you a better deal on the same product. Its central location in Siam makes it relatively easy to get to. We recommend getting off at Siam and walking around. For those who prefer to rest their feet, get off at the National Stadium BTS station.

Siam Paragon

Siam Paragon is located in the heart of Bangkok and is famous among the younger generation. It’s always busy, especially after school and working hours. There are countless stores where you can shop, from H&M and Uniqlo to high-end luxury brands like Chanel and Hermès. There’s an aquarium if you’re visiting with your kids and a cinema on the top floor to see the latest blockbuster. If you go out with your friends, the bowling alley is right next to the cinema. Within walking distance from Siam Paragon, there are two other malls called Siam Center and Siam Discovery. Think of Siam like Shibuya in Tokyo. There is everything you could wish for in a domain.

Fortune City

Don’t overlook the geeks and nerds. Fortune Town is the perfect place to get lost in the computer world. If you’re looking for a new computer or want to build your own, this is the place to go. There are also many hardware and software options. But it’s not just computers and laptops. If you love photography, Fortune has you covered too. If you are interested in technology, this is a unique opportunity. You can visit here by getting off at MRT Petchaburi station.

Platinum Fashion Mall

Platinum is a great place for women as it has everything on sale from dresses, casual clothes, bags and shoes. Everything on sale is affordable and cheap. Most stores sell in bulk, which makes you want to buy even more. Most stores sell the same clothes, but the price varies, so it’s important to shop around. Here is a bit far from the train station, and the nearest station is BTS Chidlom station, and you have to walk about 1 kilometer.

Terminal 21

Each floor is themed around a different city, each an international travel destination. The entire mall feels like an airport, with a unique urban vibe on each floor. The signs resemble flight arrival and departure boards, while the pretty ladies at the information desk wear flight attendant uniforms. The food court is well known and loved by travelers and office workers alike, with a wide selection of tasty and affordable dishes. And like any decent mall in Thailand, there’s a Starbucks on the first floor for those who want their signature caffeine or matcha latte, as well as a cinema on the top floor, which features the latest domestic films and Hollywood blockbusters. The stores here are not limited to luxury brands, but also include many local and boutique brands that cannot be found elsewhere, making it a great place to shop for gifts. Travelers looking to do some last-minute shopping for souvenirs or clothes in the capital can make a quick stop here, before taking the MRT one stop south to Phetchaburi Station, then on to the Airport Rail Link via Makkasan Station to enjoy a cheap, air-conditioned ride directly to Suvarnabhumi Airport.


Although not a mall per se, this well-developed riverside shopping district offers the colorful assortment and open-air allure of night markets with the safety and sanitation of mall, not to mention its exquisite selection of restaurants. But both places are beaten in terms of views. Located next to the Chao Praya River, you can ride a Ferris wheel overlooking the Bangkok skyline at night. Just a 10-minute walk from Saphan Taksin BTS station, it’s open from 5 p.m. to midnight, seven days a week. Once the sight of an international trading port, you can now sail, (no pun intended) visit the shops and buy gifts as souvenirs. There are two shows: a Thai puppet show and the Calypso cabaret (aka ladyboy show). ASIATIQUE is one of the main places to watch the city’s fireworks display along the river during the annual New Year celebration.

What is your point of view ?

So there you have it, our list of the best malls for style and selection, fun and entertainment, location and cuisine. When it comes to shopping, Bangkok has you covered. Whatever your price preference, everyone can find something to their liking in this city of material pleasure. As far as we know, all malls in the city are open from 10 a.m. to 10 p.m., seven days a week, except on holidays and special occasions. Of course, there are many other places to shop in Bangkok, but these are our favorites. What are yours? Is there another mall or special shopping spot that is not on our list? Or do you have an exceptional shopping experience that you would like to share? Let us know in the comments section below and contribute to the ThaigerTalk travel community!

To note: A previous version of this article appeared in the “Bang for Your Baht” category. We’ve moved it to the “City Guide” category to better represent the content.

Yao Ming Says He And Peng Shuai “Happily Chatted” At Event Last Month https://q-ax.com/yao-ming-says-he-and-peng-shuai-happily-chatted-at-event-last-month/ Tue, 18 Jan 2022 02:48:38 +0000 https://q-ax.com/yao-ming-says-he-and-peng-shuai-happily-chatted-at-event-last-month/

Chinese basketball legend Yao Ming said on Monday that tennis star Peng Shuai, who became a cause for concern after accusing a former senior politician of sexually assaulting her, was in good spirits when they were appeared at an event last month.

“She looked good. We chatted happily,” said Yao, when asked in Beijing on Monday about his impressions of Peng at a cross-country skiing event they both attended last month in Shanghai.

The Women’s Tennis Association has suspended tournaments in China due to what it says are concerns over Peng’s safety, which it says have not been alleviated by his public appearances. The issue has cast a shadow over the upcoming Winter Olympics in Beijing.

Yao said he and Peng have known each other for almost 20 years. However, he did not comment directly on the controversy that erupted last year after Peng, a former doubles world number 1, appeared to allege that a former vice premier, Zhang Gaoli, had sexually assaulted her. in the past.

After this post, she was absent from public view for nearly three weeks. At the December event which Yao also attended, Peng told a news outlet that she never accused anyone of sexually assaulting her and that her social media post was misunderstood. She has not spoken publicly since.

Zhang did not comment on the matter, and Beijing censored discussion of it on the Internet.

Speaking to the media less than three weeks before the opening of the Olympics, Yao said he expected China to win medals in speed skating and snowboarding, but asked Chinese fans to be patient as the country is relatively new to winter sports.

Yao, the most famous Chinese athlete in the world, was the face of the 2008 Summer Games in Beijing. He retired from basketball and now acts as an ambassador for ice and snow sports for China.

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]]> Sudan to establish counter-terrorism force — Sovereign Council https://q-ax.com/sudan-to-establish-counter-terrorism-force-sovereign-council/ Mon, 17 Jan 2022 15:47:43 +0000 https://q-ax.com/sudan-to-establish-counter-terrorism-force-sovereign-council/

The demonstration of the families of the victims of the Beirut explosion immobilizes the Palace of Justice

BEIRUT: Relatives of victims of the explosion that destroyed the port of Beirut in August 2020 staged a new protest in the city on Monday, amid growing anger and frustration over what they see as a “tergiversation” which hinders the official investigation into the explosion.

They blocked the roads and entrances to the Palace of Justice to express their “anger and deep sense of the injustice inflicted on them by all those who submit requests to dismiss the work of the judicial investigator judge Tarek Bitar”.

Their protest caused a halt to work in the courtrooms. The families accuse the authorities of “negligence, ignoring and covering up the crime and the catastrophe of the biggest explosion in modern history which afflicted Lebanon and Beirut”.

They said they would call for an international inquiry “if the stagnation and threats continue and the case is watered down”.

Bitar, 48, was unable to complete his investigation into the explosion and the role the actions of politicians and officials may have played in the events leading up to it. Those under investigation include a former prime minister, four ministers and a number of MPs, senior security officials and port officials.

The judge’s work has been suspended for more than two months. He took over the case last February after his predecessor, Judge Fadi Sawan, who had been removed from the investigation by the Court of Cassation following complaints by two ministers accused of negligence which led to the death of innocent people.

Since taking over the case, Bitar has been the subject of a smear campaign, intense political pressure and threats inside the courthouse from a Hezbollah official. The suspects in the case, including ministers and representatives, who enjoy parliamentary immunity, have filed dozens of lawsuits asking that Bitar be removed from the case.

Hezbollah Secretary General Hassan Nasrallah accused Bitar of “politicizing the investigation and exercising his discretion”. Party supporters staged protests in October demanding the judge’s replacement. Supporters of the Amal movement joined the protests, which escalated into violent clashes and resulted in deaths.

During protests at the Courthouse on Monday, families of victims of the port blast called on officials to make the necessary judicial appointments to ensure membership requirements for the Court of Justice’s general assembly are met. cassation. The court recently lost quorum when one of its judges retired, hampering efforts to resume the investigation.

A delegation representing the demonstrators went to the office of Judge Suhail Abboud, president of the Superior Council of the Judiciary. Members of the delegation said that when asked about restoring quorum, Abboud told them that “any legal action that can be taken to protect the investigation will be considered.”

The demonstrators carried banners denouncing “the corrupt political authority and state officials who water down the investigation file, manipulate the law and want to remove Judge Bitar, to whom all Lebanese entrust the task of revealing the facts and to punish criminal perpetrators, on whatever side”. ”

Another banner read: “No one is safe when 220 martyrs, 6,500 injured, half of the capital Beirut is destroyed and hundreds of thousands of citizens are displaced.”

In a statement, the protesters said: “Enough of wasting time, sometimes resorting to political immunity and sometimes accusing Judge Bitar of discretion or politicization in an attempt to impeach him and end the investigation.

“Today we affirm that we are behind the forensic investigator more than ever and hold the accused criminals accountable for doing nothing but obstructing and evading justice.”

Relatives have expressed anger over the authorities’ failure to act on a warrant issued by Bitar against the arrest of MP Ali Hassan Khalil, a former finance minister and political aide to Amal movement leader Nabih Berri.

They wondered “how this minister could hold a press conference a week ago without anyone touching him”.

A judicial source told Arab News that Judge Bitar will not be able to resume his investigation until appointments are made to the Court of Cassation so that it can make a decision in this regard, and ruled out the possibility that these appointments take place before the presidential election. in May.

Kyogo Old Firm boost amid Japanese manager’s ‘difficult’ decision https://q-ax.com/kyogo-old-firm-boost-amid-japanese-managers-difficult-decision/ Sun, 16 Jan 2022 14:28:08 +0000 https://q-ax.com/kyogo-old-firm-boost-amid-japanese-managers-difficult-decision/

Celtic have been given a potential Old Firm boost, with the Japanese manager hinting he won’t call up Kyogo Furuhashi for the upcoming World Qualifiers.

Japan are due to face China on January 27 and Saudi Arabia on February 1, 24 hours before Celtic take on City Rangers in a match that could be vital in the Premiership title race.

But manager Moriyasu Hajikazu has told the local press that the Celtic striker will not be available for selection due to a hamstring injury picked up before the winter break.

Hajikazu said he would have a “difficult” job putting together a squad with “several players unavailable due to injury” for the vital World Cup qualifiers which could go a long way in deciding whether Japan will be in Qatar in the end of the year, before naming Kyogo, who has 16 goals for the Hoops since signing in the summer, Sampdoria defender Maya Yoshida and Sei Muroya, who plays for German side Hannover, as three players whose they will be deprived.

This means that if he is fit to play, the 26-year-old will be available for Old Firm’s midweek clash at Celtic Park as well as games against Hearts and Dundee United.

New signings Reo Hatate and Daizen Maeda could be potential replacements for the missing Japanese stars, but they are not believed to be in Hajikazu’s call-up plans at this time.

Ange Potecoglou could also be without compatriot Tom Rogic, with Australia also in the World Cup qualifiers in the same period.

Meanwhile, the Celtic manager will assess Kyogo and winger Jota ahead of their game against Hibernian on Monday night.

The Portuguese striker has returned to training after recovering from a hamstring problem.

Shiba inu dog breed boom is coming to China https://q-ax.com/shiba-inu-dog-breed-boom-is-coming-to-china/ Sun, 16 Jan 2022 07:20:08 +0000 https://q-ax.com/shiba-inu-dog-breed-boom-is-coming-to-china/

The number of people in China who keep shiba inus dogs originating from Japan is on the increase.

The popularity of the dog continues to grow among young people who have been attracted to the charms of the breed through social networks.

A 78-year-old man who walked his shiba inu in a residential area of ​​Shanghai recently said he bought the dog when his grandson begged him, and the dog is now the apple of his eye.

A growing number of households keep shiba inus, and there are more than 10 such dogs in his housing complex, the man said.

On a recent Sunday afternoon, a shiba inu cafe in Shanghai was bustling with about 20 customers. Among them, a company employee says he loves shiba inus and often visits the cafe, while a couple from Singapore came to the cafe for the first time after being hypnotized by the dogs on social media.

The cafe was opened about a year ago by 26-year-old Huang Richeng with financial support from his parents.

“Our main customers are young couples who play with the dogs for two to three hours on a day off,” Huang said, adding that the cafe is profitable.

Wei Haibo, a 68-year-old shiba inu breeder in Shanghai, said the dog is gaining popularity mainly in metropolitan areas, where residents are prohibited from keeping large dogs.

“People like them because they are clean, docile and very friendly,” Wei said.

Meanwhile, the dog’s popularity appears to be overheating, as a shiba inu recently fetched 160,000 yuan (2.9 million yen) at an online auction.

“I want to promote accurate knowledge of the shiba inu, including its pedigree and history,” at a time when the number of fraud cases involving unscrupulous companies is increasing, Wei said.

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]]> Olympics icon loses contact with dad in Tonga following tsunami disaster https://q-ax.com/olympics-icon-loses-contact-with-dad-in-tonga-following-tsunami-disaster/ Sun, 16 Jan 2022 03:19:47 +0000 https://q-ax.com/olympics-icon-loses-contact-with-dad-in-tonga-following-tsunami-disaster/

Tongan Olympian Pita Taufatofauthe, the Tongan flag bearer who captured international attention at the opening ceremony of the 2016 Olympics in Rio de Janeiro, has revealed he has not heard from his father and his family since the Tongan tsunami on Saturday evening.

“Still no news from my father or my family in Haapai (Tonga)”, he said on Instagram.

Watch the video above to see the scenes as the tsunami hit the shore in Tonga

“Initial reports (show) a disaster across the islands. Once communication is restored and we can see the needs, funds will be mobilized, starting with disaster infrastructure, hospitals and schools. This is an ongoing process.”

Taufatofuathe, who now resides in Australia, explained how his father, the recently appointed governor of Haapai, Dr Pita Taufatofua, was preparing to return home from a meeting when the volcanic explosion disrupted travel.

“After arriving at the airport, his flight was canceled (sic) due to the volcanic eruption,” the Olympian wrote.

“Last we heard he was securing our house in Veitongo, right by the water.”

Pita Taufatofua of Tonga walks during the opening ceremony in the Olympic Stadium at the 2020 Summer Olympics. Credit: David J. Phillip/PA

Meanwhile, the tsunami threat around the Pacific from a huge underwater volcanic eruption has receded, while the extent of damage in Tonga remains unclear.

Satellite images showed the spectacular eruption that took place on Saturday evening, with a plume of ash, steam and gas rising like a mushroom above the blue waters of the Pacific. A sonic boom could be heard as far away as Alaska.

In nearby Tonga, the eruption sent tsunami waves crashing onto the shore, forcing people to rush to higher ground.

The eruption knocked out the internet in Tonga, leaving friends and family from around the world still anxiously trying to get in touch to determine if there were any injuries and the extent of the damage.