Print Wedding cards and 10 elements that make a perfect wedding
Are you going to get married? And are you reeling in a mountain of things to do? Indeed, there are many things that need to be prepared for a wedding, such as choosing wedding card printing services, wedding parties, wedding photos, etc., and everything is very important, and influences the crowd. Your wedding. Here are 10 factors that will greatly affect your wedding, if it is not paid attention.
1: Plan: Want your wedding to be perfect and perfect, first you need to plan a specific orientation for a great day. And no one other than the future husband will be the one who shares this plan with you.
Specifically, you should show him your wishes and expectations about the wedding day: Location, organization, time, form, number of guests expected ...
Related to planning there is a very important factor that is the wedding budget. You should plan your financial ability and discuss whether the intention of the wedding is going to be grand or simple to decide on the plan to prepare for the next elements.
One thing to keep in mind when planning a wedding is to consider the desire and the reality. Everyone has a different situation and ability so a perfect wedding is a beautiful wedding but best suited to their abilities. read more: http://thiepcuoigiaretphcm.com/thiep-cuoi-phuoc-sang-niem-tin-khach-hang-lam-nen-thuong-hieu-bid47.html
Monday: Choose a wedding venue:
To choose the most perfect wedding venue, you should keep in mind the two factors that are the number of guests and your budget. After balancing these two criteria, you and your partner will look for suitable, spacious, comfortable but also undeserved parties.
If your intended wedding time falls right on the wedding season, it is best to consider the location of the wedding ceremony and deposit in advance about 5 - 6 months. In addition, you can refer to the quality of wedding venues through relatives, friends, through wedding trips ...
Tuesday: Set wedding card printing:
For a wedding to be perfect, wedding cards are also one of the factors that should not be overlooked. Wedding cards should be consistent with the style and color you have intended for your wedding. In addition, the selection of wedding card printing service is also very important. At present, there are many wedding card printing shops in the market, you should choose which ones have long-term business brand, prestige by introducing friends. , or family members who have worked through the introduction, guided themselves to ensure the best price and quality.
One of the notes when booking wedding cards is the information of the bride - the groom and the family on both sides fully, the location, the time of the marriage ceremony is clear. If the wedding restaurant address is hard to find, you should print more directions map at the back of the invitation card.
Currently wedding cards are very diverse, rich in colors, styles and designs. Many couples also choose wedding cards with unique styles, self-designed such as facebook wedding cards, 3D wedding cards, passport style wedding cards ...
Wednesday: Choose the main style for the wedding party: After you have chosen the wedding venue, the next thing to do immediately is to choose the main style for your ceremony. This is also one of the steps to do early because it is closely related to other wedding details such as wedding dresses, wedding flowers ...read more: http://thiepcuoigiaretphcm.com/gia-in-thiep-cuoi-bao-gia-in-thiep-cuoi-tai-thiep-cuoi-phuoc-sang-bid48.html
There are two choices for you: either wedding planner / wedding decoration service; or make your own ideas and start preparing. The first option, you just need to describe in detail and soonest your interests and ideas with the planner so that they have the best time to prepare for your wedding. In the second embodiment, from your personal idea, you need to realize those ideas by preparing early ways to decorate, collect and buy necessary accessories ...
It is important to choose the style of wedding party to unify early the main color of the wedding ceremony, from which you start to choose wedding cards, backdrops, decorative flowers, tablecloths, wedding cakes, items Other decorations ...
Thursday: Prepare the wedding dress for the Bride - Groom: The costumes of the two hottest wedding people are always one of the most important factors, especially the bride costume. A beautiful wedding dress is a dress suitable for the bride's physique, party space and "trendy". The groom's outfit is easier to choose, but the top criteria are polite and comfortable.
Wedding dresses can be rented, sewn or borrowed. To choose the perfect wedding dress, you should prepare it early, try many different styles of dresses and ask a consultant to find the dress that highlights the body's advantages.
In addition, the wedding dress is related to the accompanying jewelry accessories, which cannot be ignored by the preparation of the wedding ring.
This is also the step you should take early, depending on your budget. And the golden secret of choosing a wedding ring is to consult the experiences of friends, relatives, who have previously purchased wedding rings to find the most prestigious address, choose a quality and reasonable pair of rings. Best.
Friday: Set flowers and wedding cakes: While wedding flowers can enhance the beauty of the bride, the beautiful wedding cake adorns the space of the stage where the wedding party is held. Special note with this preparation step is that you have to choose hand-held flowers for the bride and how to decorate the wedding cake in accordance with the color tone and dominant style of the entire wedding party.
Regarding wedding flowers, you should also pay attention to the selection of wedding flowers in harmony with the dress, balance with the physique of the bride. As for the experience of making wedding cakes, you can refer from the previous ones, find the appropriate and favorite wedding cake samples on the internet, then set the supplier, ask them to advise the most perfect cakes for the party style. My wedding.
Saturday: Beauty before the wedding: Although this is not an important preparation stage, but to make your wedding so glorious, perfect; In order for the bride image to remain in people's minds, the most beautiful and radiant moment, you should take the time to take care of the beauty before getting married.
Specifically, the beauty care can include massage, manicure, masking ... For conditional brides, more time, you can exercise regularly before getting married for several months. to maintain the most balanced physique ...
All of the above preparation steps are bedside pillow tips to help you get a special, perfect wedding. read more: http://thiepcuoigiaretphcm.com/thiep-cuoi-ca-tinh-phong-cach-lang-man-cho-tung-doi-ban-tre-bid49.html
8: Choose wedding rings: Wedding rings will stick with you all the way to marriage, so careful preparation to buy rings is an important job, not to be missed. The bride and groom should spend 2 - 3 months before the wedding day to start picking rings. Because not every couple can choose their favorite ring designs right from the first try that may have to be set according to their own measurements. Each model can make a whole month, so buying early will help you not be forced because the wedding day is approaching.
9th: Wedding photography:
Wedding photography, including:
Decide whether to rent a studio or take a selfie.
Choose the locations for wedding photography.
Determine the budget for the cost of wedding photography.
Determine the time of wedding photography.
10th: Relax, protect health before getting married:
The mistake of many couples is to often skip the health examination before marriage because of their subjectivity and trust in their partners. However, pre-marital health examinations are very important and necessary, avoiding the problems of reproductive health or the spread of infectious diseases, to keep the family happy. Therefore, no matter how busy they are, couples should still choose a day to go for a health examination together before the wedding including general health and reproductive health. And another advice that Phuoc Sang wedding wishes to send to both the bride and groom is to take time for yourself. No matter how much you need to prepare before the wedding, you should still get enough sleep, eat well and "pull" your appearance to stay radiant on the happy day.
These are 10 elements that make a perfect wedding. If you want a wedding wedding
read more: http://thiepcuoiphuocsang.com/in-thiep-cuoi-dep-chat-luong-gia-re-tai-tp-hcm-bid25.html
Vietcombank is located in the TOP 100 best workplaces in Vietnam
Anphabe's annual survey is organized about the 100 best places to work in Vietnam. The 2018 program was implemented with the largest scale ever. Vietcombank is second in 100 businesses with the best workplace in Vietnam
Anphabe Company - a pioneering consultant on employers' brand solutions and a happy working environment in Vietnam with Intage - a leading market research company in Japan has just published survey results "100 the best place to work in Vietnam in 2018 ". Joint Stock Commercial Bank for Foreign Trade of Vietnam (Vietcombank) continued to affirm its position as the bank with the most attractive working environment when it was voted No. 1 in the banking industry, ranking 2nd in Vietnam market with ranking. 2 levels higher than 2017 and in the Top 50 Vietnamese enterprises with the most attractive employers. read more http://thiepcuoigiaretphcm.com
Anphabe judged: "This is not only a personal achievement of management levels and human resources departments, but also a testament to the efforts of each Vietcombank employee in working together to build an ideal working environment and spreading the positive sentiment of the company outside ".
Anphabe's annual "100 Best Workplaces in Vietnam" survey has been held since 2013. The 2018 program has been implemented with the largest scale ever since the comments of more than 70 thousand people have been recorded. doing experience from 674 businesses in 24 industries.
Vietcombank is currently the best operating bank in Vietnam, with the largest profit scale of the system, reaching VND18,356 billion in pre-tax profit in 2018. To meet the development objectives according to the strategic vision set out, Vietcombank's Board of Management always focuses on developing human resources and considers it a key to success for banks.
Accordingly, the quality of employees is strictly controlled from the beginning with open, transparent and professional recruitment policies. Officers are recruited in accordance with the job position. Mechanism for motivating staff is always attached importance to assessing work efficiency, planning and appointment ... encouraging staff to constantly strive, improve quality and work efficiency. read more https://tygia.vn/tien-ao
The training has been promoted in association with encouraging creativity, scientific research, setting up initiatives and solutions to be applied in practice, bringing many results for business activities. As a result, the income of Vietcombank employees has been continuously improved over the years, the remuneration regime has always been concerned with many activities aimed at improving the quality of spiritual life, sharing and spreading. Traditional, cultural, brand values. This has created a solid and solid working environment for Vietcombank's staff and employees, unanimously agreeing in action for the common goal, aiming to become the leading bank in the quality of human resources, The bank ranks first in terms of customer satisfaction.
read more https://tygia.vn/ty-gia/vietcombank
Gasoline prices simultaneously increased strongly
The Ministry of Industry and Trade - Finance has just announced the adjustment of gasoline selling price for the next 15-day operating period, implemented from 17:00 pm on April 2.
Accordingly, the Ministry decided to increase VND 1,377 / liter for E5RON92 gasoline; increasing VND 1,484 / liter with gasoline RON95-III; increase 1,219 VND / liter for 0.05S diesel; Kerosene increased 1,086 VND / liter and mazut oil 180CST 3.5S increased 1,127 VND / kg.
Thus, after setting up and spending the petrol price stabilization fund, the selling price of E5RON92 petrol will be VND 18,588 / liter; gasoline RON95-III is 20,033 VND / liter; 0.05S diesel oil is 17,087 VND / liter; kerosene is not higher than VND 15,971 / liter and mazut oil 180CST 3.5S is priced at VND 15,210 / kg. read more mẫu thiệp cưới
The Inter-Ministry also decided to keep the level of setting up the price valorization fund for petroleum products as currently. Expenses for using the petrol price stabilization fund for E5RON92 gasoline are VND 2,042 / liter (in the previous period, VND 2,801 / liter); RON95 Gasoline costs VND 1,304 / liter (in the previous period, VND 2,061 / liter); Do not spend the Fund for diesel oil (previous period spent VND 1,343 / liter) and do not spend the Fund for kerosene (the previous period spent VND 1,065 / liter).
According to the Inter Ministry, the reason for the increase in gasoline price in this period is due to the average price of petroleum products in the world in 15 days before April 2 is 74,909 USD / tank of RON92 used for mixing gasoline. E5RON92 (an increase of USD 3,602 / barrel, equivalent to + 5.05% compared to the previous period); RON95 gasoline is 76,434 USD / barrel, (an increase of 3.509 USD / barrel, equivalent to + 4.81% compared to the previous period). read more
Meanwhile, 0.05S diesel price fell to 80,126 USD / barrel (down 0.315 USD / barrel, equivalent to -0.39% compared to the previous period); reduce 79,878 USD / barrel of kerosene (down 0.138 USD / barrel, equivalent to -0.17% compared to the previous period); 426,593 USD / ton mazut oil 180CST 3.5S (down 6,539 USD / ton, equivalent to -1.51% compared to the previous period).
The price of E100 ethanol takes into account the base price of E5RON92 gasoline according to Official Letter No. 328 / BTC-QLG of April 2 of the Ministry of Finance on operating petroleum business at VND 14,725 / liter (without VAT).
On the other hand, in the first 3 months of 2019, although the world price in the upward trend, the Ministry of Industry and Trade and the Ministry of Finance managed to spend on the price valorization fund continuously and at a high level in order to keep prices stable. selling petrol and oil in the domestic market before, during and immediately after the Lunar New Year of the Lunar New Year 2019, avoiding the impact of resonance in the adjustment of electricity price on March 20, contributing to stabilizing prices of consumer goods and controlling inflation, macroeconomic stability. read more
From the beginning of 2019 until now, the Ministry of Industry and Trade - Finance has had 7 adjustments of retail price of petroleum. In which, there are 2 periods of adjusted gasoline prices, 1 decrease in price and 4 periods of stable petrol price without increasing or decreasing.
Read more: https://tygia.vn/gia-vang
Race to pay PAY QR of banks
QR Pay - Convenient payment solution is showing strong spread when there are 20 participating banks
According to statistics from VNPAY, there have been more than 20,000 points of payment acceptance frequently arising transactions, 20 banks participating in QR Pay payment network. This figure is predicted by experts to continue to grow strongly in 2019, QR Pay promises to be a pioneering payment solution for "cashless" society that the government is directing ministries, businesses simultaneously approached.
QR Pay payment is the trend
Along with the development of internet, mobile devices, 4G - 5G waves, mobile payment types have boomed recently as an inevitable step to meet the increasing and diverse needs. of the user. However, among the "identical" mobile payment solutions that are "crowding out" for customers, QR Pay is considered the best and most preferred method. read more http://thiepcuoiphuocsang.com/in-bieu-mau-gia-re-tai-tp-hcm-in-bieu-mau-2-lien-3-lien-bid10.html
This payment solution takes advantage of the existing infrastructure of banks, helping users to use the banking application to pay without downloading new applications, without adding card integration steps as in the form. NFC or transfer money from bank account into intermediary account for payment as payment model by electronic wallet ...
To pay, customers only need to log into the mobile application of the bank, select the QR Pay feature, scan the QR code at the point of payment acceptance, enter the amount and verify to complete the transaction. The payment process is encapsulated in several steps on the phone, more flexible and convenient.
In terms of security, the use of QR Pay minimizes the theft of bank card information when customers do not need to provide information to third parties, customers are fully active in payment on mobile phones. dynamic. On the other hand, the payment process is protected through two security layers, one is the application login password two which is the authentication step of the transaction using OTP code (either by fingerprint, face detection, SoftOTP ...).
"The disclosure of bank account information is something I'm always afraid of when shopping online, there are many cases where e-commerce websites are exposed to customers' payment account information. Therefore, recently, I always choose to pay via VNPAY-QR port because there is no need to enter bank information on websites. A QR code will be displayed on the screen, I just need to log in the banking application on the phone, scan the code for payment, very fast, completely active and more secure ”- Ms. Huong a regular customer buys Shopping, booking air tickets, train cars online sharing.
Integrate QR Pay - bank perfect ecosystem for mobile application service
It is known that in the first quarter of 2019, there have been 3 more banks implementing QR Pay payment: Bac A bank, MB Military bank, OCB bank, raising the total number of financial institutions participating in the network QR payment in Vietnam market to 20 banks and 3 international card organizations. read more
The race for payment via QR code shows the strong shift of the Fintech wave (electronic payment) in the 4.0 technology revolution, while confirming the bank's breakthrough efforts to bring products Mobile banking products come closer to customers.
On the other hand, it can be seen that, in the wave of service quality upgrading with QR Pay payment by banks, customers are the most profitable ones. Indeed, in addition to helping its customers easily access a convenient form of payment, banks often launch many incentive programs, "stimulate" customers to use.
In the recent Lunar New Year Lunar New Year, there were many great programs such as Vietcombank with a direct cashback program for customers who pay by QR code, the total value of refunds is up to nearly 1 billion. copper; Ban Viet bank with the program awards from 50,000 VND to 200,000 VND to customer accounts when paying with QR Pay
Or most recently, Agribank is also implementing a big incentive program for first-time customers using QR Pay on Agribank E-Mobile Banking application to pay, customers will receive VND 50,000 immediately on each transactions valued at VND 100,000 or more, each customer receives 5 sales promotions, the program starts from March 15 to April 15, 2019.
A series of promotions with a budget of up to VND billion each program launched by banks to "attract customers" using QR Pay, showing the bank's efforts to build and shape payment habits new, catch up with the development trend of the banking sector in particular and modern society in general. read more giá vàng trắng pnj
Borrowing money to buy gold bars at banks. Is it banned?
Regulations and facts
Although the Circular No. 39/2016 / TT-NHNN dated December 30, 2016 of the SBV stipulates that lending activities of credit institutions and foreign bank branches have officially come into effect from March 15 / 2017 And based on Clause 4, Article 8 of Circular 39, credit institutions are not allowed to lend for capital needs to buy gold bars.
Pursuant to Clause 2, Article 15 of Decree No. 96/2014 / ND-CP, prescribing the sanctioning of administrative violations in the monetary and banking domains, prescribing a fine of between VND 15 million and 20 million for acts of failing to inspect and supervise the use of loans and loan repayments of customers according to the law.
The law is so, however, in fact, there is still a situation where some innocent bankers advise customers to borrow money to buy gold bars at their banks. As a customer walking around some banks asking about this issue, it is not difficult to encounter loans for the purpose of buying gold bars that occur every day.
Case 1: If you have a bank book of that bank, you can easily borrow and pledge to buy gold at that bank. The mortgage interest rate margin in banks ranges from 1 to 3% in addition to the interest rate on savings books. Specifically, if the interest rate on your savings book is 7% per year, then you will usually get a mortgage loan with an interest rate of 8 to 10% per year, depending on the bank and loan term. After disbursing, customers can take care of the money to buy gold right at the bank, even if they don't need to receive money, but they will deduct all the borrowed money to pay for the gold purchase. Thus, in this case, the bank staff fully know the purpose of borrowing customers is to buy gold bars. read more https://tygia.vn/ty-gia
In this case, many bank employees also do not know that they are violating the law. Because according to them, customers with savings books have the right to borrow. And after borrowing, what is their right to do, do not buy gold in credit-granting banks, can customers still go through other banks to buy, how can they control it? As a credit person, if you think and explain such a problem, you are looking down on the rules for the purpose of using capital and monitoring the use of customers' loans.
Case 2: customers only have a part of money, not enough to buy gold. And the bank staff advises clients on borrowing and mortgage with "the amount of gold formed in the future" (gold is formed by borrowing money to buy gold and using that gold itself to secure that loan) . In this case, if selling gold first or lending first is wrong. Accounting for selling gold first, at that time, customers did not have enough money. Also accounting for disbursement before, at the time of disbursement, customers do not have collateral for the loan. And it is important that the purpose of this case is still to borrow money to buy gold - which is also prohibited.
In fact there are still many other cases of loans to buy gold, but one way or another, lending to buy gold bars still takes place in banks. For the sake of simplicity, lending to buy gold will solve two goals at the same time, increasing debt balance and gold sales.
Loans to buy gold pieces: observations will be easy to detect
Although for loan applications for the purpose of buying gold bars often bankers do "beautiful" documents in accordance with regulations. In the dossier set, they have all the invoices and documents showing the purpose of using the capital "reasonably" by the customers. But "reasonable" doesn't mean legal. And the bank staff did not know that the auditing and banking companies had a lot of experience and professional sense to detect fraudulent and fake acts of credit officers. Specifically:
Firstly, based on the set of documents using customers' capital for loans. No matter how perfect it is to make the documents for the use of documents, everything is false and repetitive, many times there will be loopholes such as scraping, photo proof, the same day wrong month with time logic, ...
Secondly, for customers who borrow money to buy gold, the frequency of transactions in the week will be high, especially at times when gold prices fluctuate or increase. Therefore, the observant can base on the transaction history of disbursements at the sensitive time of the gold price to delineate the cases where customers use capital for wrong purposes (borrowing to buy gold bars).
Third, based on the client's transaction history during the day to detect. Normally, a customer who has just disbursed (often pledged or short-term loans) and at the same time paid for gold is obviously borrowing money for the purpose of buying gold bars. There is a more subtle case, thanks to relatives who are on the purchase of gold. But experienced bank officials also easily recognize this move, unless the bank staff also advises such customers.
Fourth, no matter how sophisticated the methods are, remember that all banks have cameras. In cases where customers borrow money, but do not actually receive cash and use the same amount to offset the purchase of gold, the image remains. At that time, even if your end-of-the-day documents are "pretty", the camera image will be an important evidence to confirm the wrong purpose of lending (to buy gold bars).
Closing the story of lending gold to buy and sell gold, many people probably remember the exchange of 100 USD fined 90 million VND by Mr. Nguyen Ca Rê in Can Tho. Although Mr. Nguyen Ca Rê's decision to sanction administrative violations was then not enforced. However, for bankers and banks, be very careful and alert with lending for gold bars
read more: https://tygia.vn/
Foreign exchange rate on February 28: USD continued to decline
The exchange rate of USD continues to decline sharply due to changes in the economic and political situation in the world. Especially the change in US-China relations over the past time. This has put a lot of pressure on America's greenback.
In the morning session, the USD exchange rate is lower than other major currencies in the market. The attractiveness of this currency is greatly influenced by many reasons. read more https://tygia.vn/
Before that, on the afternoon of February 27, the domestic foreign exchange rate recorded that all banks had a slight decrease in listing. The popular listing rate offered in the domestic market is VND 23,150 / USD and VND 23,250 / USD. Accordingly, the exchange rate of SCB listed the lowest buying price in the market when standing at VND 23,065 but sold in the highest listed banks at VND 23,260. This is also the selling price of USD exchange rate MBBank. The bank has a buying direction of VND 23,135 and sold VND 23,260. Meanwhile, the exchange rate of HSBC currently listed in the buying and selling way is VND 23,150 and VND 23,250 respectively. read more https://tygia.vn/gia-vang
The fact that the USD exchange rate chart has shown signs of going down in recent sessions is due to positive signals in the US-China relationship, making the Chinese yuan rise. This has put pressure on the US dollar.
In addition, information Theresa May - British Prime Minister will propose to these countries officially excluded Brexit without agreement at a meeting late yesterday. At the same time will open the opportunity to delay several weeks or months for the Brexit day, March 29 helped the pound to raise prices quickly. The developments related to Brexit will make this currency attract the attention of investors. Since then, the dollar has lost its attraction.
Besides, one reason that the USD exchange rate has a decreasing trend now comes from the gold market. This is still considered by investors as a "safe haven" although it has little profit. According to the general rules of the market so far, gold rising USD will decrease and vice versa. Therefore, in the current period, when gold is being favored, USD will be under a lot of pressure. It may have to wait until the US Federal Reserve (Fed) officially decides to raise interest rates in 2019 to help the USD exchange rate increase again. read more https://tygia.vn/ty-gia/shb
Foreign exchange rate on February 25
The US dollar index, which measures the strength of the greenback against a commercial weighted basket of six currencies, fell 0.14% to 96.33.
Members of the Federal Reserve continue to propose a balance sheet as a tool to combat developments in the labor market or inflation rate. In the past week, the dollar left the two-month peak reached last week due to investors' optimism about a trade deal between the US and China. read more:
The Fed had strategic changes in January, signaling a halt to raising interest rates, ready to reconsider asset ownership plans to stabilize growth, without going through reinvestment policies. on these properties.
This is also the Fed's response to the signs of global economic slowdown. This step is completely different from the long-term suspension policies when the economy began to have instability of Fed under the control of Ms. Yellen. N
In the past year, the Fed has increased interest rates 4 times but the economy still has not felt its full impact.
On the positive side, through interest rate increases, the Fed still controlled the economy, such as fiscal stimulus immediately after President Trump's tax cuts reduced efficiency.
Besides, with the slow progress of the Chinese and European economies, as well as escalating tensions in the trade war will make more difficulties piling up.
The USD / GBP exchange rate increased by 0.16% to 1.3070 dollars from the low of 1.2969 dollars in the hope that the deadline to leave the European Union on March 29 will be pushed back. read more:
European Union negotiator Michel Breier said it was not ruled out that the EU withdrawal would be delayed. The UK is seeking changes to Irish support.
EUR / USD exchange rate increased 0.11% to 1,1347 USD due to core consumer inflation in the EU in line with economists' forecasts.
USD / JPY rate dropped 0.05% to 110.64, while USD / CAD fell 0.64% to $ 1.3145.
The exchange rate at the State Bank of Vietnam has been bought at VND 23,200 (unchanged) and sold at VND 23,540 (unchanged).
Billion Vietcombank listed at VND 23,160 (buy) and VND 23,260 (sold). Vietinbank: VND 23,162 (buy) and VND 23,262 (sold). BIDV: VND 23,155 (buy ) and VND 23.255 (sold). ACB: VND 23,160 (buy) and VND 23,240 (sold).read more:
