Advogados divergiram sobre a decisão do governo de proibir os mercados preditivos no Brasil. Enquanto alguns alegaram que a Fazenda "se excedeu" para tentar sufocar um mercado que é bem menos prejudicial do que as casas de apostas online regularizadas, outros defenderam que era importante disciplinar um setor no qual essas empresas operavam em uma "zona cinzenta".
A senadora republicana dos Estados Unidos, Cynthia Lummis, afirmou que o projeto de lei de regulação de criptoativos será discutido e revisado em comissão em maio. A proposta, conhecida como “Clarity Act” está travada desde que chegou ao Senado em janeiro, quando perdeu apoio de parte do setor e sofreu oposição dos bancos.
The trash bags and plastic storage bags at the chain have not impressed me much.
I'd rather spend a little more to get higher-quality tools, kitchen gadgets, and candles.
As a mom of two teenagers, I try to stress to my kids that it's never a bad idea to save money where you can.
One way I've done so is by shopping at the discount chain Dollar Tree for the past two decades. It's been my favorite place to grab household essentials at low prices.
I've been happy with spices, batteries, face masks, and other basics I've purchased there for $1.25 or $1.50 — way less than I've paid at other big-box stores.
However, there are a few Dollar Tree items I've found to be not worth my time or money. As a frequent shopper, here are a few things I don't buy from the discount chain.
I'd rather get my candles elsewhere.
Terri Peters
I enjoy burning scented candles in my home, but I've found that the ones sold at Dollar Tree are just OK.
In my experience, Dollar Tree's candles smell great in the store but don't seem to emit much fragrance when lit at home. They can also burn very quickly.
I'd rather spend a few more dollars to get a better-quality candle from somewhere else, like Target or Aldi.
Although I skip the chain's plastic toys, Dollar Tree has some great activity options for kids.
Terri Peters
My kids may be teenagers now, but I remember all too well when they were small, and they'd ask to get a toy on our Dollar Tree shopping trips.
My answer was no if they were looking at the toy section filled with flimsy plastic items that didn't seem designed to last more than a few weeks.
Instead, I'd direct my kids to pick out something else from the discount chain, like craft supplies, sidewalk chalk, modeling clay, or coloring books.
Dollar Tree has a great selection of these items, which encourage kids to use their creativity and are less likely to end up in the donation bin after a week.
In my experience, tools are worth investing in.
Terri Peters
Over the years, I've purchased screwdrivers, pliers, and other tools at Dollar Tree that broke after a few uses or in the middle of a DIY project.
Although the prices here are tempting upfront, I'd rather invest in more expensive, built-to-last tools I can use for years to come.
Still, some of the chain's hardware section is worth checking out. I've been happy with the nails, screws, and stick-on wall hooks I've bought at Dollar Tree.
The garbage bags have not impressed me.
Terri Peters
With a house full of teenagers and pets, I need durable garbage bags that'll make it from our kitchen to our outdoor trash area without making a mess.
Sadly, the trash bags I've purchased at Dollar Tree have not held up as well as pricier ones from more recognizable brands. I'd rather spend a few more dollars on trash bags so I can worry less about potential rips and holes.
The disposable plastic storage bags aren't for me, either.
Terri Peters
Whether we're packing snacks for a trip or storing dinner leftovers, our family needs our plastic bags to be sturdy and really reliable. So, I skip the ones at Dollar Tree.
Despite the tempting price, I find they can rip quite easily, and, if they have seals, they don't hold very well.
I'll skip most of the kitchen gadgets and utensils.
Terri Peters
I've stopped buying knives, flatware, and kitchen tools at Dollar Tree. Many of the ones I've tried have been more flimsy than I'd prefer, and some have bent or broken during use.
That said, these budget-friendly options can be great if you're looking for somewhat disposable kitchen items that can be tossed after a few uses — maybe basics for an outdoor cooking area or to keep by the grill.
The food-storage containers haven't lived up to my expectations.
Terri Peters
I'm a big fan of buying food storage containers that are inexpensive, lightweight, and easy to replace if they get lost. After all, I have two teens and a husband who use these to take meals out into the world almost daily.
Unfortunately, the ones I've tried from Dollar Tree haven't met my expectations. In my opinion, they crack pretty easily and just don't feel as high-quality as low-cost options I've bought at stores like Target or Walmart.
I'd rather purchase my paper goods elsewhere.
Terri Peters
Paper goods are essential in any household, from sturdy paper towels to clean up kitchen messes to soft tissues for cold and flu season.
Dollar Tree has many options, but offerings I've tried from the chain have let me down so far, from too-thin toilet paper to tissues that feel scratchy on the nose.
I prefer to purchase my paper goods elsewhere and stick with my family's tried-and-true labels. By buying in bulk or looking for sales, I can often find paper towels and other basics at comparable prices anyway.
O avanço de instituições financeiras tradicionais no mercado de criptomoedas tem sido resultado de um processo gradual de modernização, segundo Amy Oldenburg, responsável pela estratégia de ativos digitais do Morgan Stanley. A executiva afirmou que o movimento não está relacionado a uma corrida motivada por receio de ficar de fora, mas sim a anos de desenvolvimento de infraestrutura.
Durante décadas, o poder global das moedas foi definido por fatores relativamente claros: reservas internacionais, acordos comerciais, força econômica e, em muitos casos, influência militar. Foi assim que o dólar consolidou sua posição dominante ao longo do século XX, sustentado por uma combinação de poder econômico, influência política e uma infraestrutura financeira internacional construída ao redor do sistema bancário americano.
Durante séculos, o ouro foi guardado em cofres, transportado por blindados e negociado apenas por quem tinha acesso a mercados altamente especializados. Era o ativo dos bancos centrais, dos grandes fundos e dos mais ricos, não do cidadão comum.
This as-told-to essay is based on a conversation with John Caudwell, the British billionaire founder of mobile phone businesses Phones 4u and Singlepoint, both of which he sold. Caudwell is raising three children with his partner, former Olympian Modesta Vžesniauskaitė, and now focuses on his childrens' charities and real estate investing. The following has been edited for length and clarity.
My family life is very dynamic. I have eight children, one of whom I'm the stepfather to. My youngest kids are 2 and 5 years old, and my oldest is 47.
I grew up in a little terraced house in the middle of Stoke-on-Trent, and I had next to nothing. I don't want my kids to have next to nothing, but I don't want to overcorrect the way that some rich people do.
For my older kids, when I was building my businesses, there was less time on a day-to-day basis, but it was quality time. I've always made quality time an absolute priority: almost never missing a sports day or prize-giving, things that were important.
Now, we do most of the parenting and don't have nannies. I have two housekeepers who help out, but school is the real answer, from 9 a.m. until 4 p.m. That gives them discipline, entertainment, interest, and education.
Flying economy and shopping at Primark
Everybody wants to be spoiled, but it's very important that we keep our kids' feet on the ground, so we are very controlled about how we approach luxury.
For instance, when we go on the superyacht for a family holiday, that's mainly a treat for me. The adult children have to make their own way to the boat. The younger ones travel in economy with Modesta — I'll take business class most of the time — and we take the budget airline easyJet. We have to demonstrate to them what normal life is like.
They have virtually no designer clothes — maybe some that they got as presents, but we buy them clothes from Zara and Primark. If you go to Gucci and pay a thousand pounds, are the kids any happier? No, they're not. Do they end up having a very spoiled attitude? Yeah, they probably do.
When we take them to a restaurant, they'll have chicken nuggets and chips, and the younger ones share a plate. I hate wasting food. I always remember, when one of my daughters was young, we went to a restaurant, and she asked, "Daddy, would you really mind on this occasion if I had steak and chips?" You see kids out there just ordering lobster, and my kids would never dream of it.
When it comes to spoiling, one early mistake we made was buying them too much at Christmas. Not expensive gifts, but too many of them. They'd scramble through all the boxes and end up playing with a cardboard box. Now, we take a much more frugal approach; two or three Christmas presents are more than enough.
Our financial support is a very frugal help line that encourages them to achieve their own success. It supports them while they're in school so they can focus on being good students. It doesn't pay for them to go out to nightclubs or have expensive meals. My support is very much related to the effort they put into their lives.
My adult children are all busy making their own careers. One of my daughters is a psychotherapist, one works in real estate, and another works at a bank. One of my sons is a musician, writing and producing songs, and another is getting his real estate license.
The golden rule
The one thing I always do is that no matter what happens in your child's life, you're constantly telling them you love them.
No matter how much I have to punish them, it's always followed by, "Well, of course, I love you, darling. I love you very much, but I have to discipline you because you have to grow up to be meaningful, good people."
That's been consistent: I don't really want anything from them in life other than for them to be happy and leave the world a better place than they found it.
What does it matter if they're rich, if they're unhappy? What does it matter if they're an Olympian, if they're unhappy?
If every kid could grow up to aspire to those goals, which of course is very difficult to achieve, what a wonderful life for our children, but also what a wonderful place for the world to be.
Nesta sexta-feira, 20, o bitcoin é negociado "de lado", sem variação expressiva nas últimas 24 horas. A maior criptomoeda do mundo se mantém na casa dos US$ 70 mil enquanto desdobramentos macroeconômicos e geopolíticos seguem impactando o apetite ao risco do mercado. Apesar disso, um especialista aponta cautela e expectativa de curto prazo negativa para o bitcoin.
Tom Blake, 29, turned his college side-hustle experiments into a full-time content business.
He now makes a six-figure living by testing and reviewing side hustles on YouTube and Substack.
Paid market research is one of Blake's top side hustle recommendations, offering low-stress income.
This as-told-to essay is based on a conversation with Tom Blake, a 29-year-old YouTuber and blogger, about his experiments with side hustles. It's been edited for length and clarity.
I started experimenting with side hustles in 2014 while I was in college for a simple reason: I needed to pay the bills. Since then, I've tried over 100 of them — everything from AI website generation to crypto reward programs to paid shopping.
I read a lot about side hustles on Reddit, and many just didn't work as advertised. In 2018, this frustration led me to start a blog documenting my side hustle tests.
I studied psychology, minored in marketing, and interned at a digital marketing agency, which became my first job after graduating. I kept side hustling because the job had a pretty low starting salary, and I wanted to build wealth faster.
I then realized I could make more money on my own outside my job if I worked hard.
My content business is now my full-time job
Over time, the blog grew steadily, and my content business — including my main YouTube channel, a smaller YouTube channel, some blogs, and an email newsletter — became my full-time job.
From ad revenue and affiliate links, it made about $1,700 in its first year, then about $7,000 the next, and $20,000 the year after. Over its lifetime, it generated more than $1 million in revenue before I sold it at the end of 2023.
Since then, I've become a digital nomad earning six figures by testing side hustles and online gigs on YouTube and my Substack. I make about $2,500 a month from side hustles, including gig apps, money-making websites, investing, consulting, and freelance gigs.
These are five of the most lucrative and realistic side hustles I've found, especially for beginners.
1. Paid market research
This is one of the simplest ways I've ever made money, and I still do it today.
Companies need feedback from real people. Sometimes they're looking for niche groups like accountants or grocery store workers, but you can join platforms to find open focus groups or market research calls.
Typically, you apply for studies through platforms like User Interviews or Respondent. If you're selected, you join a Zoom call with a researcher, answer questions for 30 to 60 minutes, and get paid.
The pay varies widely, but it's common to earn $50 to $80 for a half-hour session, or $75 to $100 for an hour. A few months ago, I did a 45-minute conversation about AI and earned $200.
The downside is that you won't qualify for most studies you apply to, and you have to apply to each one. Still, I can usually land one every month or two, and the work is easy and low-stress.
2. Niche gig economy apps
Most people think of the gig economy as Uber or DoorDash, but there's a whole world of lesser-known apps that can be pretty lucrative.
One example is Sharetown. It partners with mattress and furniture brands to handle oversize returns — things like sofas and mattresses that retailers don't want back in their warehouses.
As a Sharetown rep, you pick up returned items from customers, resell them on Facebook Marketplace, and split the proceeds with the company. Sharetown tells you what to pick up and what price to list it for.
I've spoken with reps who make a few thousand dollars a month, especially in busy areas. You need a vehicle that can haul large items, but for the right person, it's a clever way to start a flipping business with almost no upfront risk.
There are also apps like Dolly and Lugg, which pay people to help with moving jobs. You can sign up as a driver if you have a vehicle, or just as a helper if you don't.
3. Rewards and discovery apps
Rewards apps have improved a lot in recent years. They're apps that pay users for downloading apps, playing mobile games, and trying products and services.
I use Scrambly. I've earned more than $1,000 using it in testing over the last few months. One offer I received paid me $250 to open a bank account.
I don't recommend this as a primary source of income. Most of the time, you're earning around $4-$5 per hour, but if you're already playing mobile games or planning to switch bank accounts, it's worth checking them out.
4. AI training and data annotation
One new side hustle I've been testing is AI training.
Many companies hire human testers to review AI-generated outputs from different models and rate them, helping improve them over time. It's essentially quality assurance for artificial intelligence.
I recently started testing this space and was accepted into a platform called Micro1. After a 20-minute screening process, I was able to apply for paid projects.
Pay rates vary dramatically. Some roles pay only a few dollars an hour, while more specialized projects, such as those that require a Ph.D. in a specific field, can pay $25 to $50 or more. The work is fairly steady, and some even offer 30 to 40 hours a week.
5. Website and app testing
This is another side hustle I did frequently in college and still recommend for beginners through sites such as PlaytestCloud, Userlytics, and Trymata.
Companies pay users to test websites and apps under development. You follow the instructions or navigate the product yourself, then share honest feedback. Most tests pay $10 to $20 and take about 15 to 20 minutes. Longer tests of up to an hour can pay $50 to $100.
The downside is that you have to sign up and claim the tests while they're available, on a first come first serve basis.
Lessons I've learned
Side hustles can be exciting, and I think people should experiment with them, but if something sounds too good to be true, it probably is.
Before trying anything, I always recommend reading reviews and checking forums as part of basic due diligence. If someone online is promising massive hourly earnings with no downside, that's a red flag.
Uma carteira cripto que estava inativa há cinco meses voltou a movimentar recursos e comprou cerca de US$ 7 milhões em tokens TRUMP, uma criptomoeda meme associada ao presidente dos Estados Unidos, Donald Trump. A movimentação ocorreu poucas horas após o anúncio de um evento exclusivo para os maiores detentores do ativo, o que impulsionou o preço da criptomoeda.
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