Экономисты предупредили россиян: покупка собственной квартиры может быть недоступна минимум до 2027 года. После повышения ключевой ставки до 21% ипотека станет ещё дороже. Российские банки уже подняли ставки по рыночным программам до 25-27%, а теперь ожидается дальнейший рост. Льготные программы, такие как семейная ипотека, также становятся малодоступными из-за требований и высоких первоначальных взносов.@mosclive
Экономисты предупредили россиян: покупка собственной квартиры может быть недоступна минимум до 2027 года. После повышения ключевой ставки до 21% ипотека станет ещё дороже. Российские банки уже подняли ставки по рыночным программам до 25-27%, а теперь ожидается дальнейший рост. Льготные программы, такие как семейная ипотека, также становятся малодоступными из-за требований и высоких первоначальных взносов.@mosclive
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Telegram boasts 500 million users, who share information individually and in groups in relative security. But Telegram's use as a one-way broadcast channel — which followers can join but not reply to — means content from inauthentic accounts can easily reach large, captive and eager audiences. Markets continued to grapple with the economic and corporate earnings implications relating to the Russia-Ukraine conflict. “We have a ton of uncertainty right now,” said Stephanie Link, chief investment strategist and portfolio manager at Hightower Advisors. “We’re dealing with a war, we’re dealing with inflation. We don’t know what it means to earnings.” That hurt tech stocks. For the past few weeks, the 10-year yield has traded between 1.72% and 2%, as traders moved into the bond for safety when Russia headlines were ugly—and out of it when headlines improved. Now, the yield is touching its pandemic-era high. If the yield breaks above that level, that could signal that it’s on a sustainable path higher. Higher long-dated bond yields make future profits less valuable—and many tech companies are valued on the basis of profits forecast for many years in the future. Telegram does offer end-to-end encrypted communications through Secret Chats, but this is not the default setting. Standard conversations use the MTProto method, enabling server-client encryption but with them stored on the server for ease-of-access. This makes using Telegram across multiple devices simple, but also means that the regular Telegram chats you’re having with folks are not as secure as you may believe. If you initiate a Secret Chat, however, then these communications are end-to-end encrypted and are tied to the device you are using. That means it’s less convenient to access them across multiple platforms, but you are at far less risk of snooping. Back in the day, Secret Chats received some praise from the EFF, but the fact that its standard system isn’t as secure earned it some criticism. If you’re looking for something that is considered more reliable by privacy advocates, then Signal is the EFF’s preferred platform, although that too is not without some caveats.
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