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Q&A with chatGPT: accessories

My blog is primarily about finances, architecture, and programming. But sometimes I want to share something important that we must know to improve ourselves. For example, the accessories that make you look charming.
I collected my 3 recent questions to ChatGPT.

I am a¬†20-year-old male. I have to¬†find 2 scents. One for¬†work¬†‚Äď business and¬†business casual style, and¬†the¬†second for¬†a¬†date. What can you recommend?

For¬†a¬†work scent, you might want to¬†consider something that is sophisticated and¬†subtle. A¬†classic, woody fragrance with notes of¬†sandalwood, cedar, or¬†amber would be a¬†good choice. These types of¬†scents are subtle enough to¬†wear to¬†the¬†office, but¬†still have enough character to¬†make an¬†impression. Some examples of¬†woody fragrances that would be suitable for¬†work include Dolce &¬†Gabbana‚Äôs ‚ÄúThe¬†One for¬†Men,‚ÄĚ Guerlain‚Äôs ‚ÄúTerre d‚ÄôHermes,‚ÄĚ and¬†Yves Saint Laurent‚Äôs ‚ÄúL‚ÄôHomme.‚ÄĚ

For¬†a¬†date scent, you might want to¬†choose something that is a¬†bit more bold and¬†romantic. A¬†floral or¬†spicy scent would be a¬†good choice. Floral scents can be soft and¬†feminine, or¬†they can be more bold and¬†exotic. Some examples of¬†floral fragrances that could be suitable for¬†a¬†date include Marc Jacobs‚Äô ‚ÄúDaisy,‚ÄĚ Dior‚Äôs ‚ÄúJ‚Äôadore,‚ÄĚ and¬†Gucci‚Äôs ‚ÄúBloom.‚ÄĚ Spicy scents can also be very romantic, with notes of¬†cinnamon, cloves, and¬†other warm spices. Some examples of¬†spicy fragrances that could be good for¬†a¬†date include Dolce &¬†Gabbana‚Äôs ‚ÄúLight Blue,‚ÄĚ Yves Saint Laurent‚Äôs ‚ÄúLa Nuit de L‚ÄôHomme,‚ÄĚ and¬†Burberry‚Äôs ‚ÄúThe¬†Beat.‚ÄĚ

How to tie a tie

The Four-in-Hand Knot: This is a simple, classic knot that is easy to learn and suitable for most occasions. https://www.youtube.com/watch?v=gVYkE1DHnJ4
The Half Windsor Knot: This knot is slightly more formal and works well with medium to wide ties. https://www.youtube.com/watch?v=x1LbKfOv6TE
The Full Windsor Knot: This knot is more formal and works well with wide ties. It is a bit more complicated to tie, but it creates a large, symmetrical knot. https://www.youtube.com/watch?v=7TZKX9y-RVQ
The Pratt Knot: This knot is similar to the Four-in-Hand, but it creates a neater, more symmetrical knot. It is suitable for most occasions and works well with medium to wide ties. https://www.youtube.com/watch?v=2sV14T4T-8s

How to wear a scarf

The Basic Loop: This is a simple, classic way to wear a scarf that works well with most types of scarves. https://www.youtube.com/watch?v=dO-cKZ6UJwE
The Parisian Knot: This knot is a bit more stylish and works well with long, thin scarves. https://www.youtube.com/watch?v=nSfZlDV7Kj4
The Ascot Knot: This knot is suitable for more formal occasions and works well with thicker, more luxurious scarves. https://www.youtube.com/watch?v=MQ-JgvB_Mxw
The Shawl Drape: This is a simple way to wear a large, rectangular shawl-style scarf. https://www.youtube.com/watch?v=uNp-bV7jK0Q

Jan 4   english   OpenAI

Dress code for Diplotamic meetings

Rules:

The suit is only dark blue or dark gray. Black is allowed only at evening events with the black-tie dress code, as well as at funerals and weddings.
The¬†jacket is single-breasted, with two or¬†three buttons. Length ‚ÄĒ up to¬†the¬†middle of¬†the¬†palm of¬†a¬†freely hanging hand. The¬†fabric is solid, dense, without iridescence (chameleon effect), and¬†gloss.
Trousers of a classic cut, with arrows. The length is up to the middle of the heel with one front fold above the shoe.
The shirt is white, plain, opaque (not transparent), and without pockets. Cuffs with one or two buttons are acceptable, but French cuffs are preferable, with medium-sized cufflinks of laconic shapes. The cuff should peek out from under the jacket by 1-1.5 cm.
The tie without glossy gloss, plain, muted colors (dark red, dark blue, dark gray, graphite). Small geometric patterns or contrasting stripes are acceptable. The tie should not be too wide, and its knot should not be too large. The length should reach the middle of the belt.
The belt is only made of smooth matte leather with a classic laconic buckle. The color of the belt matches the color of the shoes.
Shoes ‚ÄĒ oxfords or¬†derbies made of¬†smooth matte black leather. Brown shoes are only allowed in¬†the¬†heat. The¬†sole is thin, the¬†heel is 3-5 cm.
Socks up to the middle of the calf, are selected in the color of shoes or trousers. White or multicolored socks are not allowed.

These are generally accepted rules. But some politicians deviate from the rules and add their own corporate identity: Trump wears a bright red tie and printed socks; Putin most likely has higher heels. Macron sometimes wears a turtleneck under the jacket. Canadian leader Trudo wears socks with ducks and star wars. Some civilizations are also wearing traditional costumes, e. g., the Saudi Arabian prince wears a thawb (or dishdasha).

The¬†suits are meaningful. For¬†example, Marcon wears a¬†turtleneck under the¬†jacket if he expects changes from the¬†politician‚Äôs decision. The¬†clumsy oversized non-ironed costume can mean that person does not¬†care about the¬†public¬†‚Äď Trump is one of¬†them. Obama, at¬†the¬†conference against terrorists, wore a¬†beige suit, that seemed too informal in¬†a¬†context of¬†a¬†speech on¬†such a¬†serious issue. A¬†light suid is only used at¬†weddings and¬†on¬†the¬†beach.

Brands:
Putin wears Brioni and¬†Kiton (4000-8000‚ā¨). Macron wears a¬†local brand, Jonas et Cie, for¬†just 380‚ā¨. Biden wore Ralph Lauren at¬†the¬†inauguration. Hart Schaffner Marx and¬†Hickey Freeman produce suits for¬†presidents for¬†3000-5000‚ā¨. So, the¬†price of¬†the¬†suit may be any: 400‚ā¨, 3000‚ā¨, 8000‚ā¨¬†and¬†higher.

Source: RBC.ru

2022   Business and Economics   english

Crash of Russian housing sector

After the mobilization at the end of October, housing luxury prices dropped 40%. Prices stabilized at the 15% discount compared to August 2022. Why did it happen and what to expect in the future?

Theory

The housing market can’t be shorted. It is an advantage over the stock market. That means you can’t borrow a house, sell a house and buy it back when the price for this house falls. The problem is that all houses are unique, and the lender expects to get back the same house. The person to whom you sold a house will not sell you a house cheaper than you borrowed it.

The lender may give a set of houses that he will accept from a borrower. Usually, such houses are better than borrowed ones. Such practice is not popular due to the complexity and does not affect the housing market the same way as stocks shorted by institutions for trillions of dollars affect the stock market.

Low liquidity of housing. Stocks are sold fast with a low spread between ask and bid prices. This is because all stocks of a company are the same, information is open, and the stock price is affordable. Also, buying stocks requires a low commission, and the contract is created automatically (in reality it is not so easy and you don’t own shares when buying stocks through a broker, but it is a long irrelevant story).

Buying a house is a long process of finding the right prices by analyzing hundreds of parameters, negotiating, and signing documents with help of a realtor and a lawyer.

To sell a house immediately, seller agrees to sell a house for the bid price, and to buy it, the buyer pays the ask price without negotiations. The spread may be huge, moreover, if too many people sell a house, sellers give huge discounts.

What happened when mobilization started

300k people were drafted in one week. After the announcement of the mobilization, people had three days to leave the country not to be drafted. Plane ticket prices raised from an average of 300$ to 5000$. The last tickets were sold for 15000$ in the economy class. (at that time I was also leaving the country, but I am an EU resident and I paid nearly 500$ to get to Austria by carpooling, plane and bus).

People were scared to¬†get back to¬†Russia. Leavers sold everything they had. They sold houses in¬†one day in¬†exchange for¬†foreign cash. Sellers gave a¬†40% discount, which was incredible¬†‚Äď a¬†luxury house for¬†a¬†price of¬†an¬†economy-class house. Tip: in¬†crisis keep cash to¬†make the¬†best deals.

When all leavers left, the housing prices went up, because there is no need to sell the house fast anymore. That is why the prices bounced. Moreover, the demand for housing dropped, because those who needed a house already bought it, or took a mortgage if it was applicable. Some people who wanted to buy housing may be decided to keep the money in foreign currency to be ready to flee. That is one of the reasons, why the US dollar costs 67 rubbles in cash and only 57 rubles on market (because it is not possible to withdraw money from a bank account, except for SWIFT).

Why prices will continue dropping

There are two reasons for that: Mortgage restrictions and uncertainty. Since the start of the mobilization, the banks stopped giving mortgages to males, except for programmers, who have a right to a 2% mortgage by law. Programmers can’t be drafted by the law.

Due to the risk, that a person will be drafted and won’t be able to pay for a mortgage, banks are not ready to provide the mortgage.

Also, the credits and mortgages, that were taken before the militarisation on the 21st of September, will be automatically discarded if a person dies. That means, the family will keep a house without liabilities, and banks will get huge losses. As for now, the government will not support banks with money and will not compensate for losses. Small banks are f*cked (benefit for big banks).

Eventually, mortgage rates will increase, fewer people would like to take mortgages, and the demand for houses will also fall.

Signal to fall now

40% of¬†newly built houses is not¬†sold. It is bad for¬†construction companies¬†‚Äď they should pay off the¬†credits asap, but¬†if there are not¬†enough customers, the¬†manager has 2 variants¬†‚Äď sell now cheap and¬†close the¬†credit or¬†keep a¬†small debt, or¬†wait till the¬†best times and¬†pay a¬†lot for¬†a¬†debt. Sometimes firms wait too long and¬†become bankrupt. The¬†banks notice such a¬†situation and¬†increase the¬†credit rates for¬†companies.

The companies stop building new housing if the credit rates are high and the demand is low. Some companies freeze construction. It helps to meet supply and demand, and stabilize prices. If there is no risk of losing the attractiveness of a neighborhood or a city itself, it is the best time to buy housing. However, in times of events like a war, the risk is uncountable and the price may fall even higher.

2022   alternative investment   english   Real Estate   Russia

Projects

List of Koveh.com projects.

Austrian Boxes

Investments:¬†‚ā¨20 000 to¬†continue a¬†project

The goal is to construct Bike lockers suitable for courtyards, shopping centers, office buildings, universities, and hotels all around Europe. In the presentation for investors below, you may find features of the bike lockers.
Presentation

Austrian Boxes b2b for investors Author: Daniil Kovekh.

Video

We started this project as a university project with four other members. We made a business model of box sharing. We planned to produce and place the bicycles by ourselves like it does another Austrian startup, which, how it appeared in the future, have not produced even ten boxes in 10 years. This model was too slow.

I was standing for¬†the¬†franchise plus retail model. We start with the¬†retail model. We will improve the¬†boxes and¬†develop an¬†app in¬†this timeframe, which appears to¬†be a¬†huge deal. I consulted with the¬†technical engineer of¬†Sberbank to¬†understand how to¬†do the¬†IoT handle to¬†open the¬†box with a¬†smartphone and¬†understood that the¬†price for¬†this work will be 5k‚ā¨-8k‚ā¨ and¬†it must be made only with senior IoT developers due to¬†the¬†high responsibility and¬†need to¬†create server, database and¬†the¬†IoT dev.

The franchise must be started when the product will be ideal against the most threats, and the application will work stable.

I chose three main customers: business centers, small businesses, and hotels. Customers must situate all of them not far from the production point to make the delivery costs not higher than 10% of the cost.

For now, I am looking for team members; you may find the job posts soon. Ideally, it will be an unpaid internship since many students are ready to work for free to get one more line in a CV.

If you are interested in this project, send an email to Daniil@koveh.com or comment below.

Coldcaller.ru 2019

Due to the domain loss, Coldcaller is not available for registering and using the profile. This happened because I set PHP and SQL for coldcaller.ru. Most of the project files are still available, so I can set everything as it was before.

Bookchange.org 2018

An online bookcrossing p2p and b2c platform. The target audience: Russian population, 14-30, 45-65 years old, living in big cities.

What people do on Bookchange
On Bookchange, people find books, bookstores, bookcrossing points, libraries, and readers’ clubs. Bookchange is also a place where people buy, sell, give away, and rent books. Bookstores sell books in case if the book is not available on the p2p platform.

Goals of bookchange
Bookchange aims to create a community of readers, make reading less expensive, and protect our nature.

How to monetize the project
Money comes from advertisements in bookshops (online/offline), libraries, and cafes.
Furthermore, we can advertise publishers, books, audiobooks, and podcasts.

Bookchange can be responsible for rent and trading activities, where we guarantee to receive full payment.

What happened with the project

Unfortunately, I have suspended the project since 2019. I did not have enough knowledge to start with design and end with the backend alone. I am still willing to continue this project but in Vienna. The bookcrossing infrastructure here is more developed than in Moscow.

bookchange.org (link to the mirror of a site)

Guitar AI 2018

project of self-playing physical guitar that I made as a school project. I used C, Arduino, Bluetooth technology, and web programming to make it work.
Due to¬†financial restrictions, the¬†project‚Äôs total cost was less than 35‚ā¨, so the¬†main part was the¬†code.

Why high mortgage rate is dangerous

If the mortgage rate is high, more people would prefer renting apartments instead of buying a house. That drives rent prices up. The problem is that due to the high inflation, the price of a house also rises.

The price for housing also rises when the mortgage rate is low. Then it is much easier to take 30-year long mortgage and get your own housing instead of paying expensive rent and getting nothing at the end of the rent term. Then more people will buy a house with a mortgage. With higher demand comes higher price. So the price for housing rises.

Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States [MORTGAGE30US], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/MORTGAGE30US, September 13, 2022.

In some countries, government incentivises taking a mortgage. Military servants usually get lower mortgage rates. In UK if a person above 18 buys his first house for less than 500k$, he pays only half of a house price. In Netherlands, government insures mortgages, meaning, if a person is insolvent to pay for a mortgage, government will buy a house from a bank, and return money from mortgage payments to a person. The government will also give a discounted rent for a person (I will check this information, I can be mistaken). Therefore the prices for a condo in Amsterdam tripled (if i don’t mistaken). All of these incentives drive prices for housing up.

Real estate market has a¬†huge problem¬†‚Äď it is hard for¬†prices to¬†fall. Not¬†only because of¬†scarcity of¬†land, higher price for¬†materials and¬†labor costs. There are no¬†market mechanisms to¬†make prices fall. In¬†the¬†stock market, it is possible to¬†short stocks¬†‚Äď sell the¬†stock that you don‚Äôt own, and¬†buy it back when price falls, making the¬†profit in¬†the¬†difference. Short selling works with stocks, because the¬†stocks of¬†one company are identical, their value is always the¬†same.

It is not possible to find 2 exactly the same houses, even Soviet flats have different views, neighbors, and house condition. Therefore, short is not really possible.

To¬†lower the¬†housing price, either the¬†place should loose the¬†attractiveness or¬†the¬†new technologies should make housing cheaper. That what happens in¬†the¬†US market. New housing for¬†the¬†mid-class household became simplier and¬†smaller than before. Remember the¬†housing in¬†Manhattan and¬†Brooklyn of¬†20th century¬†‚Äď the¬†red brick houses with fire stairways on¬†the¬†fa√ßade. Compare their quality and¬†design with new housing: the¬†cheap coloured ventilated panels with studio apartments.

How 9/11 affected housing prices

The example of attractiveness loss was on 9/11. Based on the Federal Reserve Bank of New York, most of the employees who worked nearby moved to other parts of New York City or New Jersey. The rent prices for an office in Manhattan dropped from 52.5$ to 50.75$ per square foot. By November 2001, 57 million square feet near Trade Center were traded on market just for 41.81$ (Pearson, Macroeconomics, page 54). but that happened with offices. What about the households?

More people started to buy one-family houses near New York. The prices went up 10-15% comparing with previous year. Even thought, the average price of one-family house in the US has fallen.

Mortgage crisis

After looking at the graph, we see that there was only one fall of housing in the Mortgage crisis of 2008-2009. The crisis basically happened, because banks gave too much mortgages to people, who had a huge risk to become insolvent.

Thousands of¬†people couldn‚Äôt pay off the¬†debts. Their houses were put for¬†a¬†sale. The¬†supply of¬†houses was so high, that the¬†prices went down. Construction companies stopped building houses, just because there were not¬†too much people who could afford houses and¬†not¬†so much banks would give mortgages. For¬†construction companies it is very bad¬†‚Äď they should sell nearly 70% of¬†housing as¬†fast as¬†possible to¬†pay off the¬†debts. Therefore, a¬†lot of¬†companies became bankrupt and¬†ceased the¬†construction of¬†objects.

Such situation lasts till the supply is covered by demand. Meaning that prices fall to a fair price. When it is happened, the construction continues.

2022   english   Finance   Real Estate

How to afford the best stuff and not to loose money.

I love buying premium products. I buy everything I need and¬†I afford any hobbies I want. But¬†I don‚Äôt become poor after purchasing all of¬†this stuff. And¬†most of¬†the¬†time I only pay 20-30% of¬†the¬†item‚Äôs price. How can I afford to¬†buy an¬†iPhone for¬†300‚ā¨? How do I get money after buying an¬†expensive camera? Let‚Äôs learn about depreciation.

When you buy stuff, look at 3 things: a lifetime of a product, It is hard to break, for how much will I be able to sell this stuff in the future?

Buy 1-year-old stuff

I don‚Äôt buy new iPhones, Macbooks, cameras, or¬†bikes (i hope soon I will add cars here). Instead, I buy 1-year-old items. For¬†example, I bought iPhone 11 pro 256 GB just for¬†600‚ā¨, while the¬†12th was priced at¬†1200‚ā¨. This iPhone was in¬†perfect condition and¬†was just 6 months old. I keep it already for¬†2 years and¬†I can sell it for¬†450‚ā¨¬†(Sep 2022). However, I broke Face-Id while swimming and¬†now I have to¬†give a¬†discount and¬†sell it for¬†300‚ā¨. The¬†total cost of¬†an¬†iPhone usage was 300‚ā¨, or¬†150‚ā¨¬†per¬†year or¬†12.5‚ā¨¬†per¬†month.

Some people sell their 1-year-old phones to¬†buy new ones. They sell it for¬†50%-70% of¬†the¬†price. That means, that to¬†have a¬†new iPhone each year, a¬†person should pay a¬†difference of¬†600‚ā¨¬†between the¬†initial price and¬†selling price, or¬†50‚ā¨¬†per¬†month. But¬†if you wanna have the¬†previous model and¬†keep it for¬†2 years, the¬†monthly payment is just 12.5‚ā¨. It is 4 times cheaper to¬†have the¬†previous model. If you keep the¬†old model for¬†a¬†longer time, maybe you can even pay 10‚ā¨¬†per¬†month. To¬†clarify, it does not¬†mean that you pay someone¬†‚ā¨¬†each month, it just shows how much value the¬†phone loses every month.

Depreciation is the¬†value, that an¬†item loses each month or¬†year. It is also treated as¬†the¬†real cost of¬†usage of¬†a¬†good. In¬†theory, you should take the¬†price of¬†a¬†good when you bought it and¬†the¬†selling price after the¬†expected time of¬†usage. Then you subtract these prices and¬†divide them by¬†the¬†number of¬†years or¬†months that you plan to¬†use that stuff. For¬†an¬†iPhone 14, it will be (1200-600)/3 = 200‚ā¨¬†per¬†year if we assume that we use a¬†1200‚ā¨¬†iPhone for¬†3 years and¬†sell it for¬†600‚ā¨.

Depreciation can be counted linearly, or more complicated. For easiness, assume that in the first year the item loses the same cost as in the next 2 years combined.

Used items are Inflation-free. That means if the¬†price for¬†new models goes up, the¬†used items will cost the¬†same as¬†before. It is just a¬†rule. For¬†example, in¬†Russia, there is huge inflation in¬†cars. The¬†previous models of¬†a¬†car cost 100k‚ā¨ 1 year ago, the¬†new model cost 300k‚ā¨ due to¬†the¬†import restrictions. We could imagine, that if these cars still have the¬†same engine and¬†interior, the¬†price for¬†the¬†one-year-old car should also rise dramatically. However, it is not¬†the¬†case. For¬†example, the¬†used Audi Q7 of¬†2020 with 50k km costs 70k‚ā¨, while the¬†new one of¬†2022 costs 250k‚ā¨. The¬†only difference between them is the¬†small adjustment in¬†the¬†exterior and¬†interior.

Different countries have different prices. For¬†example, I bought a¬†used camera, Sony a7 II for¬†just 570‚ā¨. When I came to¬†Russia, it appeared that I can sell it for¬†1.2k‚ā¨. So, I can sell it here and¬†get a¬†600‚ā¨¬†profit. It is known as¬†Arbitrage. It is when you profit from the¬†difference in¬†prices without risk.

Buy high quality

Don’t buy low quality. Such items are easy to break, and their lifetime is short. You will not be able to sell it, so you just throw it in the rubbish bin after some time. Keep in mind that cheap low quality items are sometimes made with the child force and in poor worker conditions. And by buying and throwing the bad quality items in the rubbish bin, you are polluting nature.

High-quality items last long, show prestige and are beautiful and comfortable.

Also buy new

Not¬†every item can be bought or¬†used. Don‚Äôt buy used headphones, parachutes, or¬†stuff you know nothing about. For¬†example, I want to¬†buy a¬†bike for¬†2.8k‚ā¨. It is expensive. I could probably find the¬†one-year-old bike, but¬†I don‚Äôt know how to¬†check the¬†bike for¬†quality, or¬†I don‚Äôt want to¬†change the¬†details. In¬†such situations, I can either hire a¬†professional or¬†ask a¬†friend for¬†help. Or¬†just buy a¬†new one. The¬†bike, for¬†example, has a¬†lifetime of¬†7 years on¬†average, and¬†then the¬†depreciation will be 2800/7 = 400‚ā¨. Of¬†course, a¬†bike can be sold even for¬†1000‚ā¨¬†in¬†7 years, because we can change details and¬†make repairments each year, but¬†let‚Äôs assume that we do nothing. So, the¬†cost of¬†a¬†bike will be 33‚ā¨¬†per¬†month. It is not¬†too much for¬†high quality.

What about fashion

Fashion is complicated. The¬†fashion houses know that people want to¬†be trendy, and¬†the¬†style changes each half a¬†year. I don‚Äôt know if it is a¬†good idea to¬†buy used clothes, but¬†it is a¬†good idea to¬†buy expensive classical outfits. For¬†men it is easy¬†‚Äď just buy suits for¬†2k‚ā¨ each and¬†use them for¬†a¬†decade. Buy good shirts, t-shirts, and¬†8 pairs of¬†shoes for¬†different events. The¬†men‚Äôs classics change too slowly. There are also trendy casual outfits that should be changed more often.

For¬†women, it does not¬†work. Fashion for¬†women is much more important. It is a¬†way to¬†show her status and¬†prove to¬†herself that she is the¬†most beautiful. However, some brands like Burberry don‚Äôt change their fashion style too often. Gucci can also be worn for¬†a¬†quite long time. I recommend not¬†buying the¬†brand stuff, but¬†quality stuff. Don‚Äôt be a¬†crank and¬†don‚Äôt buy an¬†item with huge brand logos. Instead, buy something attractive. You will never find a¬†brand on¬†a¬†5k‚ā¨ dress and¬†suit.

When buying new clothes, remember how can you combine them with other clothes or¬†whether you already have enough outfits for¬†some occasions. Maybe you just need to¬†buy high-quality t-shirts instead of¬†20 t-shirts with cheap prints. I have an¬†excel file, where I put all the¬†wardrobe items in¬†my Austrian house. It appeared that I have items, that costs 6000‚ā¨¬†in¬†total. But¬†I have only a¬†few things that cost more than 100‚ā¨. I understood that I have too many cheap clothes up to¬†25‚ā¨. And¬†the¬†thing is that I wear such clothes for¬†1 or¬†2 years. The¬†expensive items, however, I wear for¬†a¬†much longer time. I also found out that I have 5 suits, and¬†4 of¬†them cost less than 200‚ā¨¬†each.

I hope, after reading this article, you will buy quality stuff for lower prices and will afford anything you want.

2022   Business and Economics   english   Investment
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