💳Banks Oppose 10% Credit Card Interest Cap
The US President Donald Trump is demanding a 10% credit card interest rate cap by January 20. Banks and card issuers claim such a cap will reduce consumers' access to credit. Financial institutions argue that without the ability to offset risks with high rates, they will simply stop issuing cards to those with low credit scores or unstable incomes.
For banks, this will be a blow to profits—the average credit card interest rate in the US is currently around 20-22%. For borrowers with a good credit history, nothing will change; they already receive lower rates. But those living paycheck to paycheck and using credit cards as a safety net risk being left without access to money at all.
@QSIMedia
The US President Donald Trump is demanding a 10% credit card interest rate cap by January 20. Banks and card issuers claim such a cap will reduce consumers' access to credit. Financial institutions argue that without the ability to offset risks with high rates, they will simply stop issuing cards to those with low credit scores or unstable incomes.
For banks, this will be a blow to profits—the average credit card interest rate in the US is currently around 20-22%. For borrowers with a good credit history, nothing will change; they already receive lower rates. But those living paycheck to paycheck and using credit cards as a safety net risk being left without access to money at all.
@QSIMedia
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Deepfakes reach a new level: journalist spotted himself on YouTube in videos he never made.
A British Guardian journalist discovered dozens of videos on YouTube where his face and voice were used to promote cryptocurrency schemes and dubious financial products. Deepfakes have reached a level where distinguishing the fake from the original is impossible without specialized tools. The videos are garnering thousands of views, and platforms are struggling to remove them.
@QSIMedia
A British Guardian journalist discovered dozens of videos on YouTube where his face and voice were used to promote cryptocurrency schemes and dubious financial products. Deepfakes have reached a level where distinguishing the fake from the original is impossible without specialized tools. The videos are garnering thousands of views, and platforms are struggling to remove them.
@QSIMedia
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🇬🇧In London, a woman was handcuffed and fined £100 for causing a "public nuisance" by feeding pigeons.
The incident occurred in the borough of Harrow. Local authorities confirmed the woman's arrest and the fine, but justified the arrest by citing her refusal to provide police with her personal information.
Harrow Council's Environmental Protection Bylaws immediately ban "feeding birds and vermin" in certain areas of the borough. Metropolitan Police have the power to enforce these regulations.
@QSIMedia
The incident occurred in the borough of Harrow. Local authorities confirmed the woman's arrest and the fine, but justified the arrest by citing her refusal to provide police with her personal information.
Harrow Council's Environmental Protection Bylaws immediately ban "feeding birds and vermin" in certain areas of the borough. Metropolitan Police have the power to enforce these regulations.
@QSIMedia
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👮 Woman jailed based on AI-generated evidence
In the US, a woman was arrested and spent several days in jail after her ex-partner submitted screenshots of allegedly threatening messages generated by artificial intelligence to police. The police accepted the fakes at face value and didn't even request confirmation from their telecom provider.
The justification was an official statement from the telecom provider confirming that the messages never existed.
@QSIMedia
In the US, a woman was arrested and spent several days in jail after her ex-partner submitted screenshots of allegedly threatening messages generated by artificial intelligence to police. The police accepted the fakes at face value and didn't even request confirmation from their telecom provider.
The justification was an official statement from the telecom provider confirming that the messages never existed.
@QSIMedia
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Welcome to Quantum Stellar Initiative (QSI)! 🥳 🥳
We are thrilled about your expressed interest in becoming more knowledgeable about the Quantum Financial System (QFS); specifically, Stellar's role, as the keystone, within the global financial system.
To facilitate this process, our team has developed a self-guided training system to accommodate beginners. While providing guidance on essential background information and skills needed to navigate your quantum Stellar wallet, we aim to optimize time, effort, and reduce learning curve frustrations, as well as provide Telegram proficiency, teach you how to safeguard your investments, and help you navigate to avoid common pitfalls that, unfortunately, many of us have endured.
Get your notepads ready to jot down copious notes and any questions you need answered. The resources you’re about to dive into, via our training program, are a product of 2 years' worth of Stellar FAQs and Best Practices amongst our QSI community's most seasoned veterans, as well as over 25,000 hours of research... all complied into an easy to follow, step-by-step system that anyone, at any age, can comprehend. (For example: the age range in QSI learning about Stellar starts anywhere from 5-9 years old and goes all the way up to our 80+ year old members.)
The training materials should answer 90-95% of all beginner’s questions. As you navigate through the materials, we suggest to keep track of any questions you may have along the way in addition to making note of the ones you have answered independently based on what you have learned. Furthermore, if there are any unanswered questions at the conclusion of the course, feel free to post in our QSI Global chat, after you have passed the entrance quiz.
Our amazing community thrives as a result of individuals asking smart and/or tough questions, keeping everyone on their toes, and using discernment, which transmutes self-empowerment into group empowerment!
PLEASE take your time and DO NOT RUSH through learning Stellar fundamentals. Most mistakes are made at the beginning, while learning the basics. We are SO FAR ahead of the learning curve that 99% of the world still have not learned about Stellar; ergo, there will be a plethora of opportunities to invest in solid Stellar projects for the foreseeable future. We encourage you to sit back, relax, and enjoy the process.
-Emily aka "PatriotQakes 🧁", founder of QSI
We are thrilled about your expressed interest in becoming more knowledgeable about the Quantum Financial System (QFS); specifically, Stellar's role, as the keystone, within the global financial system.
To facilitate this process, our team has developed a self-guided training system to accommodate beginners. While providing guidance on essential background information and skills needed to navigate your quantum Stellar wallet, we aim to optimize time, effort, and reduce learning curve frustrations, as well as provide Telegram proficiency, teach you how to safeguard your investments, and help you navigate to avoid common pitfalls that, unfortunately, many of us have endured.
Get your notepads ready to jot down copious notes and any questions you need answered. The resources you’re about to dive into, via our training program, are a product of 2 years' worth of Stellar FAQs and Best Practices amongst our QSI community's most seasoned veterans, as well as over 25,000 hours of research... all complied into an easy to follow, step-by-step system that anyone, at any age, can comprehend. (For example: the age range in QSI learning about Stellar starts anywhere from 5-9 years old and goes all the way up to our 80+ year old members.)
The training materials should answer 90-95% of all beginner’s questions. As you navigate through the materials, we suggest to keep track of any questions you may have along the way in addition to making note of the ones you have answered independently based on what you have learned. Furthermore, if there are any unanswered questions at the conclusion of the course, feel free to post in our QSI Global chat, after you have passed the entrance quiz.
Our amazing community thrives as a result of individuals asking smart and/or tough questions, keeping everyone on their toes, and using discernment, which transmutes self-empowerment into group empowerment!
PLEASE take your time and DO NOT RUSH through learning Stellar fundamentals. Most mistakes are made at the beginning, while learning the basics. We are SO FAR ahead of the learning curve that 99% of the world still have not learned about Stellar; ergo, there will be a plethora of opportunities to invest in solid Stellar projects for the foreseeable future. We encourage you to sit back, relax, and enjoy the process.
-Emily aka "PatriotQakes 🧁", founder of QSI
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Trump presented with options for strikes against Iran amid ongoing protests
The Trump administration received a briefing on possible military operations against Iran. Options under discussion range from targeted strikes to large-scale actions against nuclear facilities and military infrastructure. A decision has not yet been made, but the very fact that plans are being prepared indicates seriousness.
Protests within Iran are putting additional pressure on the regime. The theocracy is weakened economically and politically—sanctions are effective, and popular discontent is growing. A strike at this time could hasten the regime's collapse, but the risks of escalation remain high. Israel and the Gulf Arab monarchies maintain a hard line against Tehran.
@QSIMedia
The Trump administration received a briefing on possible military operations against Iran. Options under discussion range from targeted strikes to large-scale actions against nuclear facilities and military infrastructure. A decision has not yet been made, but the very fact that plans are being prepared indicates seriousness.
Protests within Iran are putting additional pressure on the regime. The theocracy is weakened economically and politically—sanctions are effective, and popular discontent is growing. A strike at this time could hasten the regime's collapse, but the risks of escalation remain high. Israel and the Gulf Arab monarchies maintain a hard line against Tehran.
@QSIMedia
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🇨🇳China's artificial sun breaks fusion record
China's EAST fusion reactor has reached plasma temperatures of 100 million degrees Celsius and maintained them stably longer than previously thought possible. The breakthrough occurred in a facility called an artificial sun, which replicates the processes occurring in stars.
Fusion energy promises virtually unlimited fuel without carbon emissions or radioactive waste.
@QSIMedia
China's EAST fusion reactor has reached plasma temperatures of 100 million degrees Celsius and maintained them stably longer than previously thought possible. The breakthrough occurred in a facility called an artificial sun, which replicates the processes occurring in stars.
Fusion energy promises virtually unlimited fuel without carbon emissions or radioactive waste.
@QSIMedia
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🇦🇺Australia tightens screening of international students and designates India, Nepal, and Bangladesh as high-risk countries.
Australia is introducing new rules for international students. India, Nepal, and Bangladesh have been categorized as high-risk countries for student visa issuance. Applicants from these regions will now have to undergo enhanced screening to ensure their intention to study is genuine.
@QSIMedia
Australia is introducing new rules for international students. India, Nepal, and Bangladesh have been categorized as high-risk countries for student visa issuance. Applicants from these regions will now have to undergo enhanced screening to ensure their intention to study is genuine.
@QSIMedia
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🌉In San Francisco, property owners are required to remove vandalized graffiti or face fines. The law was suspended during the pandemic but has since been reinstated.
Under the Graffiti Ordinance, property owners are required to remove graffiti created by unauthorized individuals within 30 days of receiving a notice from the city. Ignoring the graffiti can result in fines starting at $362.
During the coronavirus pandemic, the city passed a bill temporarily suspending the fines.
In April 2022, the city reinstated the fines for business owners, claiming that the temporary relaxations "led to adverse consequences."
@QSIMedia
Under the Graffiti Ordinance, property owners are required to remove graffiti created by unauthorized individuals within 30 days of receiving a notice from the city. Ignoring the graffiti can result in fines starting at $362.
During the coronavirus pandemic, the city passed a bill temporarily suspending the fines.
"First their stores were looted, and then the city came and issued them a fine. It feels like a slap in the face," said one city council member.
In April 2022, the city reinstated the fines for business owners, claiming that the temporary relaxations "led to adverse consequences."
@QSIMedia
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🛥Sweden is demanding that the EU ban servicing Russian oil and gas tankers.
Stockholm has proposed that the European Union impose a complete ban on the maintenance, insurance, and port calls of vessels carrying Russian hydrocarbons. The initiative aims to close the channels through which Moscow circumvents Western sanctions and continues to profit from energy exports.
The Swedes are insisting on stricter controls over the shadow fleet—old tankers flying third-country flags that transport Russian oil, ignoring price caps. These vessels are often insured under opaque schemes and ignore European restrictions. Banning them from servicing European ports and accessing infrastructure will complicate logistics and increase costs for buyers of Russian oil.
The Swedish proposal reflects growing dissatisfaction in the EU with the effectiveness of sanctions. While Brussels hesitates to take tough measures, Moscow is adapting, finding new avenues and intermediaries. If the ban is adopted, it will hit the Kremlin's revenues and increase pressure on countries that continue to purchase Russian fuel through dubious schemes. The question is whether Europeans are willing to accept higher energy prices for the sake of consistency in their sanctions policy.
@QSIMedia
Stockholm has proposed that the European Union impose a complete ban on the maintenance, insurance, and port calls of vessels carrying Russian hydrocarbons. The initiative aims to close the channels through which Moscow circumvents Western sanctions and continues to profit from energy exports.
The Swedes are insisting on stricter controls over the shadow fleet—old tankers flying third-country flags that transport Russian oil, ignoring price caps. These vessels are often insured under opaque schemes and ignore European restrictions. Banning them from servicing European ports and accessing infrastructure will complicate logistics and increase costs for buyers of Russian oil.
The Swedish proposal reflects growing dissatisfaction in the EU with the effectiveness of sanctions. While Brussels hesitates to take tough measures, Moscow is adapting, finding new avenues and intermediaries. If the ban is adopted, it will hit the Kremlin's revenues and increase pressure on countries that continue to purchase Russian fuel through dubious schemes. The question is whether Europeans are willing to accept higher energy prices for the sake of consistency in their sanctions policy.
@QSIMedia
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Apple to integrate Google's Gemini into the new Siri
Apple announced a partnership with Google: its Siri voice assistant will receive Gemini-based AI capabilities. The update is scheduled for this year. This decision marks Apple abandoning its own developments in favor of a competitor's technology—a rare move for a company known for its closed ecosystem.
@QSIMedia
Apple announced a partnership with Google: its Siri voice assistant will receive Gemini-based AI capabilities. The update is scheduled for this year. This decision marks Apple abandoning its own developments in favor of a competitor's technology—a rare move for a company known for its closed ecosystem.
@QSIMedia
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🇨🇳Driverless vans in China are paralyzing roads and ignoring traffic rules.
Driverless delivery vans are creating chaos on Chinese roads. Videos on social media show autonomous vehicles blocking intersections, ignoring traffic lights, and causing traffic jams. Drivers complain that these vans are impossible to stop—they continue along their assigned routes regardless of the situation.
Chinese authorities are pushing ahead with the introduction of driverless vehicles without properly testing the technology in real-world conditions. Companies are receiving permits for mass testing, but the algorithms are failing to cope with heavy traffic and the unpredictable behavior of other road users. This poses safety risks to drivers and pedestrians.
@QSIMedia
Driverless delivery vans are creating chaos on Chinese roads. Videos on social media show autonomous vehicles blocking intersections, ignoring traffic lights, and causing traffic jams. Drivers complain that these vans are impossible to stop—they continue along their assigned routes regardless of the situation.
Chinese authorities are pushing ahead with the introduction of driverless vehicles without properly testing the technology in real-world conditions. Companies are receiving permits for mass testing, but the algorithms are failing to cope with heavy traffic and the unpredictable behavior of other road users. This poses safety risks to drivers and pedestrians.
@QSIMedia
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❗️Trump convenes National Security Council. Discussion topic: "Protests in Iran"
⚡The Iranian Foreign Ministry has requested emergency talks with the United States.
⚡The US State Department has issued an alert urging American citizens still in Iran to leave the country immediately by any means available, preferably by land through Armenia or Turkey.
@QSIMedia
"Effective immediately, any country doing business with the Islamic Republic of Iran will pay a tariff of 25% on all transactions with the United States. This order is final and unconditional. Thank you for your attention to this matter!" — Trump
⚡The Iranian Foreign Ministry has requested emergency talks with the United States.
⚡The US State Department has issued an alert urging American citizens still in Iran to leave the country immediately by any means available, preferably by land through Armenia or Turkey.
@QSIMedia
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🇺🇸Donald Trump discussed Starlink operations in Iran with Elon Musk amid the widespread internet outage.
The US president's press secretary said the president is open to various options regarding the Iranian regime.
Trump is not afraid to use military force against Iran, but the country's authorities are far more restrained in private negotiations than they appear in their public statements.
She did not provide details of the conversation between Musk and Trump, but it took place after Iran shut down Starlink on its territory for the first time.
@QSIMedia
The US president's press secretary said the president is open to various options regarding the Iranian regime.
Trump is not afraid to use military force against Iran, but the country's authorities are far more restrained in private negotiations than they appear in their public statements.
She did not provide details of the conversation between Musk and Trump, but it took place after Iran shut down Starlink on its territory for the first time.
@QSIMedia
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📱Verizon Ends Automatic Phone Unlocking Following FCC Decision
Verizon is ending automatic unlocking of smartphones after 60 days of activation. This decision comes after the Federal Communications Commission lifted a rule requiring carriers to unlock devices after two months. Customers will now have to manually request unlocking, making it more difficult to switch carriers and resell their phones.
@QSIMedia
Verizon is ending automatic unlocking of smartphones after 60 days of activation. This decision comes after the Federal Communications Commission lifted a rule requiring carriers to unlock devices after two months. Customers will now have to manually request unlocking, making it more difficult to switch carriers and resell their phones.
@QSIMedia
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JPMorgan Ditches Shareholder Voting Advisors in Favor of Artificial Intelligence
JPMorgan Chase, the largest US bank, has decided to replace traditional corporate governance advisors with its own artificial intelligence system for voting at shareholder meetings of its investment portfolio companies. The bank manages trillions of dollars in assets, and its votes at shareholder meetings carry enormous weight.
This decision undermines the position of influential firms like ISS and Glass Lewis, which for decades have dictated how large investors vote on corporate governance issues, from director appointments to climate change initiatives. These advisors often promoted the ESG agenda and other left-wing initiatives through their recommendations to institutional investors. Now, JPMorgan intends to make decisions independently, using algorithms.
@QSIMedia
JPMorgan Chase, the largest US bank, has decided to replace traditional corporate governance advisors with its own artificial intelligence system for voting at shareholder meetings of its investment portfolio companies. The bank manages trillions of dollars in assets, and its votes at shareholder meetings carry enormous weight.
This decision undermines the position of influential firms like ISS and Glass Lewis, which for decades have dictated how large investors vote on corporate governance issues, from director appointments to climate change initiatives. These advisors often promoted the ESG agenda and other left-wing initiatives through their recommendations to institutional investors. Now, JPMorgan intends to make decisions independently, using algorithms.
@QSIMedia
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📱Disconnection will become a privilege of the rich.
The ability to disconnect from the internet will become a marker of wealth, just like organic food is today. The poor will find themselves trapped in a constant online workforce, where connectivity is essential for survival—checking apps for side hustles, instantly responding to schedule changes, and being available 24/7 at the risk of losing income.
The rich will buy digital detox retreats, phone-free living, and the privilege of being unreachable. They will boast about offline weekends and gadget-free vacations until the working class can afford to miss a single notification without economic consequences. Privacy is already becoming a commodity for the wealthy. The poor consent to invasive data collection in every service, every gig app, every assistance program. The rich pay for VPNs, encrypted services, and lawyers to protect their information.
A future lies ahead where the poor are constantly monitored and connected when necessary, and the rich choose when and how to interact with technology. Digital freedom is becoming just another thing that money can buy.
@QSIMedia
The ability to disconnect from the internet will become a marker of wealth, just like organic food is today. The poor will find themselves trapped in a constant online workforce, where connectivity is essential for survival—checking apps for side hustles, instantly responding to schedule changes, and being available 24/7 at the risk of losing income.
The rich will buy digital detox retreats, phone-free living, and the privilege of being unreachable. They will boast about offline weekends and gadget-free vacations until the working class can afford to miss a single notification without economic consequences. Privacy is already becoming a commodity for the wealthy. The poor consent to invasive data collection in every service, every gig app, every assistance program. The rich pay for VPNs, encrypted services, and lawyers to protect their information.
A future lies ahead where the poor are constantly monitored and connected when necessary, and the rich choose when and how to interact with technology. Digital freedom is becoming just another thing that money can buy.
@QSIMedia
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🇮🇷 Donald Trump: Iranian patriots, continue to protest – take control of your institutions!!! Write down the names of murderers and rapists. They will pay a heavy price.
@QSIMedia
@QSIMedia
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🇺🇸"We will not tolerate immigration by people whose first act is to break the law upon entering our country," Bill Clinton said in a 1995 radio address.
During Clinton's presidency, Democrats passed a number of measures to tighten immigration policy. The Democratic Party introduced the Illegal Immigration Reform and Immigrant Responsibility Act, which significantly expanded grounds for deportation and expedited the relevant procedures. The act received support from both Democrats and a significant portion of Republicans.
Under the Biden administration, the US has effectively opened its borders to illegal immigrants. Ultimately, 425,000 convicted criminals entered the country, 28,000 of whom were murderers and rapists. Another 226,000 were under investigation at the time of entry.
@QSIMedia
"We must strengthen our border security. We must deport those who are here illegally and commit crimes. We must stop employers who hire illegal immigrants"
During Clinton's presidency, Democrats passed a number of measures to tighten immigration policy. The Democratic Party introduced the Illegal Immigration Reform and Immigrant Responsibility Act, which significantly expanded grounds for deportation and expedited the relevant procedures. The act received support from both Democrats and a significant portion of Republicans.
Under the Biden administration, the US has effectively opened its borders to illegal immigrants. Ultimately, 425,000 convicted criminals entered the country, 28,000 of whom were murderers and rapists. Another 226,000 were under investigation at the time of entry.
@QSIMedia
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Taiwan sets world record for birth rate: 0.72 children per woman
Taiwan has recorded the lowest fertility rate in the world: 0.72 children per woman. This is lower than the rates of South Korea and Japan, which have long held the record for the lowest birth rate. A population replacement rate of approximately 2.1 is required. At the current rate, the island's population will rapidly decline and age.
The reasons are typical for developed Asian economies: high housing costs, long working hours, lack of balance between career and family, and cultural pressure to succeed. Young Taiwanese are delaying marriage and children or choosing not to have them altogether. Government family support programs are not yet effective—people see no economic sense in having children amid rising costs and uncertainty.
@QSIMedia
Taiwan has recorded the lowest fertility rate in the world: 0.72 children per woman. This is lower than the rates of South Korea and Japan, which have long held the record for the lowest birth rate. A population replacement rate of approximately 2.1 is required. At the current rate, the island's population will rapidly decline and age.
The reasons are typical for developed Asian economies: high housing costs, long working hours, lack of balance between career and family, and cultural pressure to succeed. Young Taiwanese are delaying marriage and children or choosing not to have them altogether. Government family support programs are not yet effective—people see no economic sense in having children amid rising costs and uncertainty.
@QSIMedia
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QSI Media - News, Analytics, World.
🇮🇷Iran's Crown Prince Reza Pahlavi called on Iranians to prepare to seize cities. Prince Reza Pahlavi, the leader of Iran's monarchist opposition, recorded a video message calling on workers in key sectors of the Iranian economy to begin a general strike.…
⚡️Trump's envoy "secretly" met with the Iranian opposition amid protests in Tehran.
Witkoff met with Reza Pahlavi, the son of Iran's last Shah and the leader of the Iranian opposition, Axios reports.
According to the portal, this is the first such high-level contact between the US administration and opposition forces since the start of mass demonstrations and unrest in Iran.
Pahlavi is trying to position himself as a transitional leader in the event of the regime's collapse.
@QSIMedia
Witkoff met with Reza Pahlavi, the son of Iran's last Shah and the leader of the Iranian opposition, Axios reports.
According to the portal, this is the first such high-level contact between the US administration and opposition forces since the start of mass demonstrations and unrest in Iran.
Pahlavi is trying to position himself as a transitional leader in the event of the regime's collapse.
@QSIMedia
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