Jpg wallet: File:Wallet on ground.jpg – Wikimedia Commons


File:Wallet on ground.jpg – Wikimedia Commons

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ISO speed rating200
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  • Wallet on ground
  • leather waller
  • ground
  • black wallet
  • lost wallet
  • lompakko
  • Geldbeutel
  • Portefeuille
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Alligator – Python – Shark – Stingray


  • Genuine Alligator skin
  • Other exotic leathers also available
  • Bi-fold, tri-fold and military style wallets
  • Special RFID lining to protect your credit cards


Each wallet a unique one-of-a-kind item, with different patterning of the tiles.
These wallets are NOT made in a factory & do NOT have “cookie-cutter” patterns!
Each wallet is cut from a giant alligator skin – 10 to 12 feet long!
Some wallets have large tiles, others have smaller tiles.  Take a look & choose your favorite! 




Recent Testimonials


“Holy crap – the wallet is amazing and the tooth is so cool – so very cool – I can’t thank you enough- if I ever get down to Florida- I’m looking you up”




“Oh my the wallet is beautiful. Thank you very much, my husband loves it!

I couldn’t wait for March, so I bought it for Valentines day. My husbands face was in shock after he realized i bought it for him. Thank you!” 



“Boy did I get a surprise in the mail today!  The wallet is spectacular!  Thank you so very much for taking the time. The color/texture is amazing and I couldn’t be happier. When I get anything exotic in the future it will only come from you!  Thank you again”




Oscar Wallet | Herschel Supply Company

Oscar Wallet | Herschel Supply Company

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Oscar Wallet

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Oscar Wallet

The compact and functional Oscar wallet features a zippered main compartment and external slots for cards, identification and passes.

Featuring a rubber-like card slot and embossed details, the Rubber Jack is a compact pouch-style wallet. The wallet is built with a corner-zip main compartment with a convenient internal sleeve for cards and currency

A minimalist mini for every day. Crafted with genuine leather and wrinkled nylon, the Oscar wallet is detailed with a zippered compartment and convenient external card slots.

Subtly textured nylon and smooth leather converge to form the Oscar wallet, which is detailed with a zippered compartment and convenient external card slots.

The Rubber Oscar wallet features a zippered main compartment and external slots for cards, including a rubber-like card slot detailed with an embossed logo.

The Oscar Leather wallet features a smooth leather with hand-painted edges along with a zippered main compartment and external slots for cards, identification and passes.

How to Measure:

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Order now with Express shipping to receive by . Order now with Express shipping to receive by .

Click here for a more detailed estimate.
  • Signature striped liner
  • RFID blocking layer
  • Exposed metal zipper
  • Multiple card slots
  • External silicone card sleeve with embossed logo
  • Signature striped fabric liner / RFID blocking layer
  • Exposed nylon zipper
  • Multiple external card slots
  • Genuine leather sleeve
  • Lightweight wrinkled nylon fabric
  • RFID blocking layer
  • Exposed metal zipper
  • Multiple card slots
  • Embossed classic logo
  • Lightweight wrinkled nylon fabric
  • RFID blocking layer
  • Exposed metal zipper
  • Premium leather front card sleeve
  • Multiple card slots
  • Embossed classic logo
  • External silicone card sleeve with embossed logo
  • Signature striped liner
  • RFID blocking layer
  • Zippered main compartment
  • Multiple card slots
  • Smooth leather with hand-painted edges
  • RFID blocking layer
  • Exposed metal zipper with leather pull
  • Multiple card slots
  • Metal classic logo plate

How to Measure:

The compact and functional Oscar wallet features a zippered main compartment and external slots for cards, identification and passes.

Featuring a rubber-like card slot and embossed details, the Rubber Jack is a compact pouch-style wallet. The wallet is built with a corner-zip main compartment with a convenient internal sleeve for cards and currency

A minimalist mini for every day. Crafted with genuine leather and wrinkled nylon, the Oscar wallet is detailed with a zippered compartment and convenient external card slots.

Subtly textured nylon and smooth leather converge to form the Oscar wallet, which is detailed with a zippered compartment and convenient external card slots.

The Rubber Oscar wallet features a zippered main compartment and external slots for cards, including a rubber-like card slot detailed with an embossed logo.

The Oscar Leather wallet features a smooth leather with hand-painted edges along with a zippered main compartment and external slots for cards, identification and passes.

Order now with Express shipping to receive by . Order now with Express shipping to receive by .

Click here for a more detailed estimate.
  • Signature striped liner
  • RFID blocking layer
  • Exposed metal zipper
  • Multiple card slots
  • External silicone card sleeve with embossed logo
  • Signature striped fabric liner / RFID blocking layer
  • Exposed nylon zipper
  • Multiple external card slots
  • Genuine leather sleeve
  • Lightweight wrinkled nylon fabric
  • RFID blocking layer
  • Exposed metal zipper
  • Multiple card slots
  • Embossed classic logo
  • Lightweight wrinkled nylon fabric
  • RFID blocking layer
  • Exposed metal zipper
  • Premium leather front card sleeve
  • Multiple card slots
  • Embossed classic logo
  • External silicone card sleeve with embossed logo
  • Signature striped liner
  • RFID blocking layer
  • Zippered main compartment
  • Multiple card slots
  • Smooth leather with hand-painted edges
  • RFID blocking layer
  • Exposed metal zipper with leather pull
  • Multiple card slots
  • Metal classic logo plate

Multiple external card slots


31. 99

The compact and functional Oscar wallet features a zippered main compartment and external slots for cards, identification and passes.



Equipped with card and currency organizers inside and out, the tri-fold Orion wallet also features a mesh ID window and a top-folding snap closure that keeps it all together.



The classic wallet. The Roy is a folded wallet that opens to feature a currency sleeve and multiple card slots.


10. 99

The Raven wallet functions as a vertical card holder with multiple slots and a branded metal currency clip.


Key Features
  • A simple card holder style
  • Card slots
  • Zippered top storage sleeve
  • Tri-fold style
  • Card slots
  • Currency sleeve
  • Coin pocket
  • ID window
  • A classic bi-fold style
  • Card slots
  • Currency sleeve
  • RFID blocking layer
  • A simple card holder style
  • Card slots
  • Metal currency clip

2. 8″(H) x 4.5″(W)
3.5″(H) x 5″(W) x 0.75″(H)
3.5″(H) x 4.4″(W) x 0.5″(D)
4″(H) x 2.7″(W)

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© 2021 Herschel Supply Company


We stand behind the quality of our products with a comprehensive warranty program — our guarantee that every Herschel Supply item is free of material and manufacturing defects. For detailed warranty information, please visit our FAQ page.


If you would like to return a product purchased from our online store, please go to our Self Service Returns page to begin the returns process or log into your Herschel Supply account. You will be given a RA# and emailed instructions on how to complete your return.

Herschel Supply product that is purchased online (excluding promotional or sale items) can be returned within 30 days of the purchase date for a full refund in the amount of the purchase excluding shipping costs. All merchandise must be returned unused, unwashed and be accompanied by the original hang tags. The condition of the product is left at the discretion of Herschel Supply.

Upon receiving your returned Herschel Supply merchandise at our warehouse, a refund in the amount of the purchase will be issued to you for the Herschel Supply product within 10 – 14 business days. This refund will be issued to the credit card that was used to make the original purchase. We cannot refund different accounts or credit cards.

*All sale items are final sale. Customers are responsible for all shipping expenses on the return of Herschel Supply product.

Kristine ID Wallet Pattern (ENGLISH VERSION) — Uniquely Michelle

NOTA: Este listado es para la versión en inglés del patrón. Para comprar la versión en español del Patrón Kristine, vaya a este listado: Version en Espanol Kristine ID Wallet PDF Patron (SPANISH VERSION)

This listing is for one PDF pattern to make the Kristine ID Wallet. This pattern has 27 pages that include great instructions and more than 50 color photographs so you can see what you’re doing at each step! The dimensions for all the fabric cuts are given along with detailed instructions for making your wallet. This pattern is designed for those with advanced beginner to intermediate sewing abilities. I think you will enjoy making and using this wallet!

The Kristine ID Wallet is great for taking your essentials with you wherever you are going. It has a spot for your ID as well as card slots for a couple of credit cards. The card slots are hidden under a pretty envelope-shaped flap. The zipper pocket is perfect for cash and change. Adding a key ring makes it so that you can add your keys and use it as a key ring wallet. Instructions are included for making a removable wrist strap and removable lanyard, making this a great wallet to take anywhere! The Kristine ID Wallet would make a perfect gift for a teenager, a college student, or anyone who needs to carry and ID at work.

+ To see helpful links that are relevant to the Kristine ID Wallet pattern (tutorials, videos, extras, etc.), go to the “Useful Links” page!

I have included my email in the instructions so that if you have any questions as you make your ID wallet, you can email me and I will gladly help you!

I cannot accept returns or make refunds on this product because of its digital nature. This purchase is for the pattern to make a Kristine ID Wallet, NOT for a finished wallet.

You are welcome to sell items made from this pattern on Etsy, your own web site, your shop, etc. This pattern is not for use for mass production and selling.

When selling or listing items made from this pattern, please credit “Uniquely Michelle” in all item descriptions. You can do this by simply adding something like, “This item was made using the Kristine ID Wallet pattern by Uniquely Michelle.”

I ask that you not claim this pattern as your own creation or allow others to use it. This pattern is only for the personal use of the individual who purchased the pattern, and may not be copied for others. The Kristine ID Wallet Pattern and instructions may only be purchased from Uniquely Michelle.

5 1/2″ (14 cm) wide
3 1/2″ (9 cm) high

The instructions are written for making the Kristine ID Wallet out of quilting cotton.

1/3 yd (0.33 m) exterior fabric
1/4 yd (0.25 m) lining fabric
1/4 yd (0.25m) 20 inch wide Fusible woven mid-weight interfacing (such as Pellon Shapeflex #101)
1/4 yd (0.25 m) 50 inch wide Fusible Batting (such as Pellon TP971F Fusible Thermolam Plus)
1 – 7 inch zipper
1 thin magnetic snap, or a size 16 snap, or a 1″ square of velcro, or a button
Key ring
2 – 1/2″ swivel snap hooks (optional – one for the wrist strap and one for the lanyard)
3 1/4″ x 2 1/4″ piece of clear vinyl
Water-soluble erasable making pen or chalk pencil
Double-sided tape or fabric glue
Fray Check (optional)

©2014 Uniquely Michelle All Rights Reserved

After you have placed your order, you will receive a link to download the pattern(s) that you purchased. The link will expire 24 hours after it’s first clicked.

How “Selling With Your Own Wallet” Kills Your Retail Sales

Let’s be honest, a lot of people are afraid of retail salespeople. For that matter, they are afraid of anyone who says they sell something.

Most people like the illusion that somebody is not selling them but just helping them.

As a retail expert and sales trainer, I can tell you:

Everyone is selling every single waking moment

  • You’re selling your husband that he should be the one to take out the trash.
  • Your students are selling you when they convince you they deserve a better grade.
  • Anyone who has gotten a loan, a job, or a date has had to sell someone on themselves.

They didn’t educate the other person. They sold. Their belief in the product sold you.

Likewise, if you felt you wouldn’t get the job, you sold them on how you didn’t deserve it. And you weren’t hired.

Selling is nothing more than a transference of feeling

If you were too afraid to talk to the girl or guy, you sold them on your lack of friendliness. 

Now if you’re trying to grow your retail sales, you have to believe in what you sell or you’ll never sell it.

The conversion problems plaguing department stores, almost every franchise, and independent retailer often start with employee attitudes toward selling.

Sure Amazon’s net sales keep rising, but you can’t shut them down. All you can work on is your own four walls.

Your employees and their training (or lack thereof) have allowed a cancer to grow on sales floors across the world.

Employees selling to the customer with their own wallet

That means the employee bases all their recommendations on the amount in their own wallet. Their attitude implies, “I wouldn’t pay that and of course you shouldn’t either.”

It leads to bottom-up selling where the employee, trying to educate the customer, starts with the entry-level product and says, “This is all you really need.

And that’s what is leading to fewer sales and less profit.

It’s great to teach your associates how to become friends with a customer because it builds trust. But with that trust, customers can be very susceptible to what the salesperson says to influence them.

A customer might really be taken by the Audi feature that shines the logo brightly on the ground when you open the door, so you can see where you’re stepping.

A salesman may not think it is worth the cost of the option and they make their job twice as hard when they tell a customer, “You don’t need that option.” 

Customers will often move heaven and earth to buy something that has some benefit an employee doesn’t value or think is important.  

Customers come in with their wallets full, ready to spend on just the right item

  • On a particular fabric that only comes on this luxury model.
  • On a hotel room with a view of Central Park with a balcony.
  • On a top-of-the-line refrigerator with an iPad interface and Internet access built-in.

Every store carries items that demand top price and those that are less expensive.

If some of your employees have decided many features of your premium products are not worth it, they won’t try to sell them.

But to a premium customer, those little features can make all the difference in the world. They have the money and want to spend it.

  • The shirt that is single-needle stitched to be more comfortable to the skin even after repeated laundering…
  • The jacket with the floating chest piece that conforms to your body and fits better with time…
  • The shoes with the aniline dye which gives a deeper color and stays easy to polish…

These tangibles are what makes the sale to the customers who want them.

You can’t allow associates to tell those customers that these features are useless.

You can’t let those associates just try to friend your customer.  If they do, they’ll limit their customers’ buying and kill your business.

Do you have employees who are using their own wallets for your customers? Everyone does.

What can you do about employees selling with their own wallets

Pick five products that are slow sellers. Ask your employees why they think those items don’t sell.

I’ll bet dollars to donuts they feel they are not worth the money. If you have to, just hold up an item and ask them point-blank, “Do you think it’s worth the money?”

Don’t be surprised by their answers and don’t think giving them more product knowledge will help. You have to go further to their definition of what makes something worth its price.

You can’t expect them to be able to afford all of your premium items but don’t let that stop you from training!

They can always make a better sale by adding something like, “I wish I could afford that” or “I’m saving up to get one myself”. Anything is better than dismissing a product’s unique features as unnecessary.

You could also use this exercise as the basis for a store meeting or during an employee review for ones struggling with UPT and average sale.

See also: 5 Ways Brick and Mortar Retailers Should Prepare For Better Future

Don’t discourage customers from buying

There’s only one way a brick and mortar retailer in 2021 is going to be successful, that’s having a laser focus on what their employees bring to customers. 

I’m talking about any customer – the stranger who on this particular day, was willing to leave their house, find parking, and walk into your business to treat themselves.

Every shopper loves to discover something new, something that makes a product unique, easier to use, and fun to them.

Don’t let an employee on your floor kid you that they know what customers want.  And that all they want is the cheapest item of every category.

Every customer is unique. Every product should be unique. Every premium product is worth its price.

Without retail sales training, you have leagues of untrained employees hating selling, hating retail, hating goal setting, selling with their wallets, and choking off your cash flow.

With retail sales training like my SalesRX system, an employee is challenged to learn that selling is not vampirey or phony.

They learn there is a process that allows them to learn about each individual customer that allows that customer to comfortably spend as much money as they want from their own wallet.

And if you’re looking to sell more of your merchandise than discount it,  let’s have a conversation about how I can help your employees – the ones looking for answers on this blog every day – grow your sales.

Take my free 5-part email course to learn how your retail store can outsell any online retailer. You can get started with your first lesson by entering your name and email address below …


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Arizona among first states to offer digital ID, licenses

Your driver’s license and state ID cards could soon go digital.

Apple announced Wednesday that Arizona is among a handful of states to be the first to introduce the digital Wallet option to residents. The exact rollout date has not yet been disclosed.


The Wallet feature allows you to securely save your credit cards, insurance cards, event and travel tickets, and other documents to your iPhone and Apple Watch. Apple says it will soon also offer home, apartment, and hotel keys through Wallet. However, it’s widening its reach first with driver’s licenses and state identification cards.

“Arizona and Georgia will be the first states to introduce this new innovation to their residents, with Connecticut, Iowa, Kentucky, Maryland, Oklahoma, and Utah to follow,” a press release states.

“Arizona is at the leading edge of states making mobile IDs available to the public…,” said Eric Jorgensen, director of the Arizona Department of Transportation Motor Vehicle Division, in the press release. “Beyond being innovative and exciting, a digital version of a driver’s license offers increased security and privacy for our residents, making it something everyone should consider.”

Select Transportation Security Administration checkpoints will offer lanes at some airports where travelers can use a digital Wallet ID as identification. Those locations have not yet been released.


Apple says Wallet is more convenient and also more private and secure than carrying physical cards, even if you lose your phone. You can access your cards only through unlocking your phone, utilizing biometric data, encryption, and Face and Touch ID. There is also the option to remotely erase a device offer in case of an emergency.

ADOT already offers a mobile ID app, allowing users to show ID securely on their phone. ADOT says the phone app can be used at participating locations to verify your identity.

90,000 fraud – memo to citizens

In recent years, SMS mailings or e-mails with messages about winning a car or other valuable prizes have become very popular. To get a “win”, cybercriminals usually ask to transfer a certain amount of money to electronic accounts, citing the need to pay taxes, customs duties, transportation costs, etc. After receiving the funds, they stop communicating or ask to transfer additional amounts for registration of the prize.

It is extremely easy to protect yourself from such crimes. First of all, you need to be prudent. Think about whether you took part in the prize drawing? Are you familiar with the organization that sent the winning notification? How do the organizers of the action know your contact information? If you cannot answer at least one of these questions, we recommend that you ignore the message received.

If you decide to try your luck and get in touch with the organizers of the drawing, try to get from them as much information as possible about the promotion, the conditions of participation in it and the rules of its holding.Remember that mentioning your name on the website does not constitute a confirmation of the integrity of the organizers of the promotion and a guarantee of your winnings.

Any request to transfer funds to receive a prize should alert you. Remember that winning the lottery entails tax obligations, but the procedure for paying taxes is regulated by current legislation and is not carried out by transferring funds to electronic accounts of citizens and organizations, etc.n. “Electronic wallets”.

Be vigilant and remember that in order to win something, you must take part in the drawing. All mentions that your number is “lucky” and ended up on the lottery list are usually just a trick to get your attention.

There are frequent cases of fraud related to the activities of online stores and sites for the sale of air tickets. How do scammers attract potential victims? First of all – unreasonably low prices.When ordering goods, you will be asked to make an advance payment, often by depositing funds to a virtual wallet through an express payment terminal. Further, the store will come up with excuses for several days and promise you a speedy delivery of the goods, and then it will disappear without a trace or send a low-quality product.

The purpose of such sites is to deceive the maximum number of people in a short time. It is a matter of a few minutes to create a website today, so soon after it is closed, the website will be revived at a different address, with a different design and under a different name.

If you want to buy a prepaid product, remember that serious online stores will not ask you to transfer money to a virtual wallet or mobile phone account. Search for information about the store on the Internet, see how long it has been on the market. If you are dealing with a website of a large or well-known company, make sure that the resource address is spelled correctly in the address bar of your browser. If necessary, ask the store administrators to provide you with information about the legal entity, check it using public databases of tax authorities and the register of legal entities.Make sure you know the address where you can file a claim in case you are unhappy with your purchase.

Cases of sending SMS messages containing information that the subscriber’s bank card is blocked for a number of reasons have become noticeably more frequent. Sometimes such messages contain a call to transfer money to unblock the card, sometimes the subscriber is asked to call or send an SMS to a short number.

It should be remembered that the only organization that can inform you about the status of your card is the bank that serves it. If you have any suspicions that something is wrong with your card, if you received an SMS notification about its blocking, immediately contact the bank. The phone number of the bank’s customer service is usually indicated on the back of the card. Do not call or send messages to the numbers indicated in the SMS notification, additional charges may apply.

One of the popular methods of trust-based fraud involves the placement of advertisements for the sale of goods on electronic bulletin boards and online auctions. As a rule, scammers attract their victims with low prices and lucrative offers and require an advance payment by transferring funds to an electronic wallet.

Prudence will help here too. Carefully study the ad, look at the information about the person who posted it.If a marketplace has a seller ratings system, study reviews from other buyers, not forgetting, however, that criminals can leave positive reviews about themselves using additional accounts. Use an Internet search. Sometimes it is enough to enter the phone number or the online pseudonym of the seller in the search form in order to discover that this data has already been used to steal money and deceive customers.

Look at the average cost of similar goods.The overly low cost should make you suspicious. If the seller requires you to transfer him full or partial prepayment for the purchased product to an electronic account, think about how willing you are to trust a stranger. Remember that by transferring money to strangers through anonymous payment systems, you have no guarantees of their return if the transaction does not take place.

It is convenient to buy air tickets via the Internet.You don’t have to go anywhere and stand in lines. You choose a flight, date, pay for a ticket and receive it after a few seconds. Today, many people choose this method of purchasing plane tickets.

Naturally, scammers cannot ignore this area. Over the past year, the number of complaints about cheating when buying e-tickets has increased significantly. It takes several hours to create a website for the sale of air tickets; it takes even less time to change its name, address and appearance.As a rule, the deception is not revealed immediately, some find out that their tickets do not exist, only at the airport. This gives fraudsters the opportunity to move their Internet resource to a new location and continue their criminal activities under a different name.

In order not to spoil your vacation or business trip, you should carefully consider buying air tickets via the Internet. Use the website of a long established airline or ticket agency.Be wary of the activities of sites you do not know, especially those that attract your attention with special offers and low prices. Do not transfer money to e-wallets or foreign bank accounts. Do not be lazy to call the airline office to make sure that your flight exists and there are still tickets for it. These simple rules will save you money and hassle.

If you received an SMS or MMS message with a link to download a postcard, music, picture or any program, do not rush to open it.By clicking on the link, you can, without knowing it, get a virus on your phone or subscribe to paid services.

Look from which number the message was sent to you. Even if the message was sent by someone you know, it will not be superfluous to additionally verify this, because the message could have been sent from an infected phone without his knowledge. If you are not familiar with the sender, do not open it.

Remember that installing antivirus software on your mobile device is not a whim, but a measure to increase your security.

Many people today use various messaging programs and have social media accounts. For many, online communication has become so familiar that it has almost completely replaced direct live communication.

Criminals these days do not need to carry out complex technical measures to gain access to personal data, people willingly share it themselves. By posting detailed information about themselves on social networks, users trust them to thousands of people, not all of whom are trustworthy.

Online communication is largely impersonal, and anyone can be hiding behind a profile photo. Therefore, you should not disclose to an unfamiliar person such details of your life that can be used to harm. Remember that video and audio broadcasts, as well as the logs of your network correspondence, can be saved by intruders and subsequently used for illegal purposes.

Do not forget that no one better than yourself can take care of the safety of that personal information that you do not want to share with the public.

REMINDER (Download)

Tips for identifying Internet resources that pose a potential threat to the financial well-being of users

Information of the NCB of Interpol of the Ministry of Internal Affairs of Russia

on the most common types of fraudulent activities using computer technology.

Dear citizens! If you belong to active Internet users, we recommend that you definitely read this material!

Fraud is the theft of someone else’s property or the acquisition of rights to someone else’s property through deception or abuse of trust.Such criminal activity is punishable by law regardless of the place of commission – in a real or virtual environment.

Fraudsters are constantly looking for more and more options for stealing someone else’s property. Let’s briefly dwell on the most common ones.

“Marriage fraud”

Typical Mechanism: Using the Internet

mainly on dating sites, criminals choose a victim, establish e-mails with him on behalf of the girls, promising to come with the aim of creating a family in the future.Then, under various pretexts, “brides” are lured out of money (for medical treatment, buying a mobile phone, purchasing tickets, paying for a visa, etc.). Correspondence is carried out mainly by students of linguistic universities. The criminals receive the money sent by the victims to the front persons. After receiving funds, correspondence under various pretexts is terminated.

“Purchase of goods and services via the Internet”

We are so used to buying from online stores that we often become inattentive, which is what scammers use.Typically, a fraud scheme looks like this: a one-page site is created, on which products of one visual sign are laid out. The price of goods is usually very attractive, below the market average. There are no reviews, the interface is minimal, and contact details are scarce. Most often, such online stores operate on a 100% prepayment basis. Correspondence on the purchase of goods is carried out using electronic mailboxes. By agreement with the seller, money is transferred, as a rule, abroad through “Western Union” in the names of various people.Of course, the pseudo-seller disappears after receiving the money!

“Cry for help”

One of the most disgusting ways to steal money. A heartbreaking story about a little man’s struggle for life appears on the Internet. Time ticks by. Expensive medications, surgery abroad, etc. are urgently needed. They ask to help all those who are not indifferent and to transfer money to the specified details.

We do not call to refuse help to everyone who asks! But! Before transferring your money, check if there are contact details for communication with the parents (relatives, guardians) of the child.Call them, find them on social media, chat and make sure they are honest.


Is the most dangerous and most widespread method of fraud on the Internet. The bottom line is to entice passwords, PIN codes, numbers and CVV codes from the victim. There are a lot of schemes that help fraudsters get the information they need.

So, using spam mailings, fake letters are sent to potential victims, allegedly on behalf of legal organizations, in which instructions are given to go to the “twin site” of such an institution and confirm passwords, pin codes and other information subsequently used by cybercriminals to steal money from the victim’s account.Quite common are offers of work abroad, notification of winning the lottery, as well as messages about inheritance.

“Nigerian Letters”

One of the most common types of fraud. Typical scheme: the victim receives a letter in his mail stating that he is the happy owner of a multimillion-dollar inheritance. Then the fraudsters ask the recipient of the letter for help in multi-million dollar transactions (inheritance, money transfer from one country to another), promising a percentage of the transaction.If the recipient agrees to participate, then money is gradually lured away from him, allegedly to pay fees, bribes to officials, etc.

Brokerage offices

Since the beginning of this year, the Interpol NCB of the Ministry of Internal Affairs of Russia has seen a significant increase in the number of applications from citizens affected by the actions of brokerage firms.

The Bureau has information on the following unscrupulous brokerage companies: MXTrade, MMC1S and TeleTrade.

In order not to lose your money when choosing a brokerage company, you need to pay attention to the following signs that characterize a fraudulent company: the promise of high interest rates, the lack of registration, the promise of stable profits to newbie traders.

Before entrusting your capital, carefully study not only Internet resources, but also the official information about the broker and its regulations.

Important! Remember that investing on a brokerage basis is always highly risky, even if you have an impeccable brokerage reputation.

90,000 Discount & Payment Cards in One Wallet – Resources – Xiaomi Community



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Topic description

Hello all Mi-fans !! As you probably already understood, today we will talk about the Wallet application.I can already hear outraged exclamations – Why is there Google Pay? It’s hard to argue with you. But let’s just take a peek and then you decide whether it is worth using it or not. So the Wallet application. To avoid confusion, I am attaching a screen with the image of this application in the Play Market, note it is completely free) I note that this application has long and well established itself on the market (please do not count it as an advertisement). But what is it about him? – you ask. And I will answer you – First, of course, this is the addition of discount cards, from which wallets and business card holders sometimes burst.And here I cannot but say that, unlike the same Google Pay, this application supports many Russian cards and, accordingly, your application will not have a white non-name card with the name of the store, but a real beautiful card. I emphasize that there are cases when there are no local manufacturers or stores in the list, but even in this case you will have a photo of your card, which is better than an empty white field. But that’s not all – one of the advantages of this program is that if If you don’t even have a card for this store, then you can issue it directly in the application.Cool isn’t it? It doesn’t take much for that. You just need to click on the tab – Catalog. You will be taken to a section with many offers. You can, of course, click on the map here too – for example, Metro, or go to the Maps tab where there will be only one map. And select, for example, the Metro map, after which you will see a page with a description and the cherished button – Release) You do not need trips to the store, or register on the sites , just a few clicks and the card is in your Wallet. (Note does not work for all stores) And finally, I have prepared the most delicious – yes, yes, this program may surprise you) So, are you ready? I can not hear? In general, all owners of phones with NFC technology now have contactless payment available in this application.Yes, you heard right – you can add your cards for payment and use. (At the time of publication, Sberbank has not yet confirmed the possibility of adding its own cards, many banks are already supported). I checked this feature by adding my card and making a few purchases. And you know, but everything really works and is pretty good, and even the sound is pleasant when confirming the purchase. And I almost forgot not to mention – the authorization function works in this application and there are accounts – that is, if you change your phone and enter your account in this application, all the cards again with you !! Well, here we come to the end of my treatise on this application.The choice of what to use is yours alone, I just tried to show you this application and its capabilities. Download from Google Play Thank you all for your attention and see you Mi-Fans !!! Review of Mi notes and a little comparison with Google KeepYouTube in the background or squeeze out of native Music maximum eMotion or call recording for Megafon subscribers Usefulness from Google – Shopping list

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90,000 Family wallet: the art of spending.TEK,

New opportunities that the financial market opens up for Ukrainians place high demands on the organization of a personal budget. In Soviet times, and at the dawn of Ukraine’s independence, citizens saved up money for years to buy furniture, equipment or a car. Now the situation has changed dramatically: it is enough to have a passport and identification code with you in order to leave the store with a purchase. The Ukrainians liked life on credit, but for many it turned into serious problems, which can only be solved by a conscious and competent attitude to personal finances.But do Ukrainians know how to manage their own money: spend, accumulate, invest?

According to experts, no. “The culture of personal finance in Ukraine remains at a very low level,” says Tatiana Grishina, managing director of the investment banking department of Altera Finace. The expert is sure that without basic knowledge, it is impossible to rationally manage money. Moreover, the middle class , which has a surplus of money supply, is just beginning to form in Ukraine.“This issue remains rather complicated in countries with established market economies. Although, speaking of these countries, practice has singled out this issue as an independent area of ​​knowledge, which is the subject of a separate course in a number of foreign business schools,” she notes.

The low level of financial culture in Ukraine is also noted by Andrey Radchenko, General Director of AMC PIO GLOBAL Ukraine. According to him, there is still no understanding in Ukraine that “money should bring money,” that is, work.”People are accustomed to working for someone rather than for themselves. Perhaps, for those who are 40-50 years old today, this has remained from the times of the USSR, when an employer provided a more or less stable future, and starting a business of its own was risky,” – said A. Radchenko, adding that today the organization of the personal budget of Ukrainians, as a rule, is limited to the amount accumulated for a “rainy day”, which is deposited in one of the banks.

At the same time, experts note positive shifts in this area.Thus, according to Lyudmila Korotkova, head of the strategic marketing department of the ARMA KB TOV, recently Ukrainians have become much more literate in relation to finance. “Today, when a person comes to a bank, he is, as a rule, much more prepared, he knows what he wants, asks questions clearly. Previously, the vast majority of clients were only interested in deposits. Now, the area of ​​interest has significantly expanded, for example, it has recently become invest savings in banking metals, since their price is growing all the time and they are little subject to inflation, “she said.

One of the obstacles to the development of a culture of personal finance is the lack of knowledge in this area. Since the domestic market for money management services is still underdeveloped, Ukrainians have to acquire the necessary knowledge on their own. “Now in Ukraine there is an educational period regarding the possibilities of personal finance. People are beginning to read special literature, use the services of consultants to learn more about this,” A. Radchenko notes. “In my opinion, financial institutions should also do this. – banks, investment institutions – it is in their own interests.I think we can expect results in three to five years. “

Burden of loans

The main reason for the “failure” of family budgets in Ukraine is the inept use of loans. According to the director of AMC “Finkom Asset Management” Pavel Ruzhitskiy, the consumer “boom” brought dissonance into the established financial outlook. “The growth rate of consumer lending looks impressive. In addition, card lending is growing rapidly,” he notes.

The expert divides the attitude of Ukrainians in the field of personal finance into three main types.”Most people with average incomes tend to spend as much as they earn while maintaining some level of” safety stock “, that is, their savings are approximately constant. The second type of people is inclined to spend more than they earn and thus live on credit This is not unacceptable if the level of debt is within certain limits and does not grow uncontrollably. And, finally, the psychology of the third type of people assumes constant savings in a certain proportion to income.The “golden rule” of saving (not macroeconomic, but empirical) says that, regardless of the level of income, one-third of what you earn must be “saved”. It is to these people, first of all, that financial organizations are oriented, striving to attract resources of individuals “, – emphasizes P. Ruzhitsky.

According to the classical canons, current debt at a level not exceeding three times the monthly income of an individual is acceptable. “Unfortunately,“ credit lure ”lures some people into“ credit networks ”and leads to debt levels with significantly higher ratios.This creates additional problems both for the borrowers themselves and for financial institutions, “says the director of Finkom Asset Management.

If we talk about debt not for consumer programs (for example, mortgage lending), then, in this case, we are not talking about the ratio of debt to income, but about income coverage of payments on the body and interest on the loan. “The optimal value of this ratio should be at least 1.5, and better than 2, which, again, is not always true in reality,” P.Ruzhitsky.

Experts agree that the share of loan payments should not exceed 25-30% of the family budget, as a maximum – 50%. “Despite the fact that in order to receive a loan, the bank stipulates that monthly loan payments do not exceed 50% of income, it is not worth calculating the budget in this way. Ideally, it is desirable that the expense item on loan payments does not exceed 25% of the total family budget. then there will be three more quarters that can be properly distributed to the necessary needs, – L.Korotkov. “For a personal budget to be effective, you must first of all really assess your capabilities and at least not take loans, which you will not be able to repay later.”

“Golden rules” of the family budget

The basic principle of organizing a family budget is, of course, common sense. “You shouldn’t be lazy, you need to calculate the family budget and plan it in advance so that the items of expenditure do not turn out to be unexpectedly larger than items of income,” emphasizes L.Korotkov.

According to the general director of PIO GLOBAL A. Radchenko, the family income is distributed with the greatest benefit as follows:

– 10% – in the “pension piggy bank”. This money is not spent under any circumstances.
– 10% – spend it for your own pleasure. 90,031 – 10% must be invested in the development of oneself or a family – it can be studies, sports. 90,031 – 10% worth spending on charity. How exactly – everyone decides for himself: transfer to the account of the orphanage or help relatives.90,031 – 10% – long-term savings, for large purchases – an apartment, furniture, a car or loan payments.

50% remains – for the current needs of the family. “This model allows you to be financially independent, buy large things, allow yourself to shop for pleasure, plan the future,” says A. Radchenko.

Director of the collection company “XPOINT” Vasily Golda offers his own variant of cost allocation:

– 35% – housing costs.This group includes payments for utilities, rent or mortgage, home or apartment insurance, real estate taxes, etc.
– 20% – transportation costs, that is, purchase costs (loans, vehicle leasing), insurance, maintenance, gasoline and parking.
– 15% -Various debt: payments on loans for the purchase of various consumer goods, payment of taxes, including taxes on additional labor income and property tax, payment of debt obligations on credit cards.90,031 – 10% is the minimum amount set aside in the form of savings. 90,031 – 20% – All other expenses, including food, clothing, children’s expenses, medical care, etc.

When choosing the most appropriate “format” for spending, it is important to remember what financial challenges the family faces. If the initial purchases – apartment, furniture, car – have not yet been made, it is worth developing a rigid schedule in which a significant part of the funds will be accumulated and / or invested to pay for large purchases.If the family has already made basic purchases, you can reduce the share of savings by increasing spending on recreation and entertainment, as well as on current and seasonal purchases.

How to make money work

Today, the most common form of personal investment in Ukraine is a bank deposit. However, along with investments in banking metals and real estate, recently, new financial products have appeared and continue to appear that either improve, differentiate the terms of the deposit, or offer it a fundamental alternative.”Among the latter, one can note the opportunity to invest in joint investment institutions (ISI), represented by funds of various formats,” – says P. Ruzhitsky.

The main difference between investing in funds and deposit programs of banks for a particular investor is that the fund can potentially provide a return that significantly exceeds the interest rate on the deposit, but this results in an increased investment risk. “Funds, unlike banks, do not guarantee profitability, it depends on the fund’s format and the dynamics of the economic environment.Therefore, the success of such investments depends, first of all, on the correct choice of a particular fund and the company under whose management it is located, “the expert noted, adding that the positive result of such investments depends to a much greater extent than when saving on a deposit, on the level economic knowledge of the investor.

Experts insist that basic investment knowledge is the key to success. If the amount of investment is large, then even your own financial literacy may not be enough.”For people with a large amount of funds (as a rule, from $ 50 thousand), it is advisable to attract a consultant – an investment banker to manage investments. There is a practice of Private Banking all over the world, and in Ukraine this direction is starting to gain momentum lately,” T. Grishina.

At the same time, experts say that one of the best ways to invest is creating your own business. “The risk is great, but the income is appropriate. The rest of the methods are less risky and, accordingly, less profitable.The second after your own business can be considered collective investment – to transfer funds for management, for example, mutual investment funds (UIFs). The least profitable way today is a bank deposit. It is, rather, a way to preserve funds than to increase them, “A. Radchenko believes.

In addition, he said, you can make money in growing markets. “For example, buying a land plot at a low price, knowing that in a few years it can be sold at a higher price,” the expert says.

Already today in Ukraine there are many ways to save and increase money. At the same time, it is important to clearly plan your own budget, soberly assess the risks and not stop learning how to deal with finances competently.

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