外汇期权市场与人民币汇率的风险定价

2021年04月09日 10379点热度 0人点赞 2,283条评论

外汇期权市场与人民币汇率的风险定价

本文利用大量隐含波动率的基础数据和插值法,编制人民币(6.55860.00750.11%)汇率市场情绪指数,分析情绪指数的信息含义,并在此基础上研究情绪指数与汇率风险定价之间的关系,发现8.11汇改后波动率不确定性的风险已体现在汇率定价中,人民币汇率形成机制更趋成熟,根据研究结论建议参考市场售汇和美元指数(92.24450.17090.19%)变动情况进一步完善隐含波动率报价。

风险定价是金融领域的基本问题之一,风险溢价也是资产超额收益的重要来源。随着中国外汇管理改革不断深化,除了支付手段外,外汇的投融资功能也得到强化,体现在资本项目可兑换水平较高、市场主体结售汇自主性较强等方面。由于外汇的资产配置功能不断凸显,因此可从“收益-风险”的角度来研究人民币汇率相关问题。人民币对美元外汇期权(以下简称外汇期权)的隐含波动率曲线蕴含波动率预期、风险偏好等丰富的市场信息,为人民币汇率的风险定价研究提供了重要切入点。本文结合笔者已有学术成果,分析隐含波动率曲线数据和人民币汇率风险定价的关系,并探讨其对于期权隐含波动率报价的启示。

一、利用外汇期权隐含波动率计算人民币汇率市场情绪指数

VIX指数是基于标准普尔股指期权的隐含波动率计算得出的。类似的,可以借鉴其中的原理方法计算人民币汇率市场情绪指数,其含义为风险中性下的汇率波动率预期。汇率市场情绪指数(月度化后)的平方为汇率隐含方差。经典文献证明,理论上隐含方差是某一时点的基于所有执行价的期权价格按照一定方法得到的积分值。实际测算时,积分值要根据其数学特性转化成离散化求和,并按照外币利率(类似于股票的红利现金流出)做出一定修正,具体公式见下:

外汇期权市场与人民币汇率的风险定价
外汇期权市场与人民币汇率的风险定价

由于非线性等因素,尽管从数学上看不完全是,但从经济金融学意义上看,可以粗略地将汇率隐含方差理解为各执行价下隐含波动率平方的加权平均。其中,ATM附近报价的“权重”最大,而越实值及越虚值报价的“权重”则越小。

delta按照0.05的间隔从0.05取值至0.95,即取值19个不同delta的隐含波动率报价,数据来自彭博,并经过71次三次样条插值,计算得出了汇率隐含方差。其中,三次样条插值法是用多段三次函数来拟合隐含波动率曲线,并按拟合后的曲线进行插值。而三次函数一阶、二阶连续可导,曲线平滑,具有良好的数学特性。由于运用了大量基础数据并进行了十分密集的插值,本文的计算方法较为严谨、精确。将隐含方差年化后再开方,可转化为人民币汇率市场情绪指数,代表每个月底对未来一个月的汇率波动率的预期。

计量结果表明,8.11汇改后人民币汇率情绪指数的绝对值和波动性均显著上升。汇率情绪指数与汇率实际波动情况并无稳定的关系。有时,汇率实际运行会对前期的汇率波动率预期有顺周期反应。如2018年8月的情绪指数为6.39%,是附近高点,之后的四季度人民币进入阶段性贬值;类似的情况还有2020年11月,情绪指数为7.3%,不过对应的是阶段性升值。有时,由于汇率具有较高弹性,升贬值压力释放后,情绪指数反而降低。如2019年5月的情绪指数为2.39%,是附近低点。当时人民币汇率“破7”,发挥了对内外部经济金融状况的自动调节作用,市场预期反而趋于平稳。

二、人民币汇率的风险定价分析

按照“收益-风险”的资产定价研究思路,风险因素可能体现在资产的超额收益中,作为对承担风险的补偿。资产价格的波动率风险是最常见的风险因素之一,笔者利用即期汇率的高频数据计算了人民币汇率的实际波动率(方差)。此外,波动率不确定性的风险也是人民币汇率的另一风险因素。比如,7.21汇改至8.11汇改前,根据“主动、渐进、可控”原则,整体上人民币对美元的升值速度比较平稳,市场对人民币汇率波动率的预期不易出现太大偏差(如年升值幅度为3%~5%),汇率波动率的不确定性较低。而8.11汇改后,人民币汇率的双向波动不断加大,波动率较之以往有了更大的不确定性。

隐含方差是基于风险中性定价得出的,风险中性投资者不需要因承担风险而获得风险补偿。那么,风险中性与实际风险偏好情况下的方差预期的差值就体现了对未来波动率不确定性的风险补偿。两者差值的金融专业术语叫做方差风险溢价,可以作为汇率波动不确定性风险的代理变量。方差风险溢价通常为正。这是因为,风险中性下的预期波动率对应的是无风险利率,而现实中风险厌恶下的实际波动率对应的是比无风险利率更高的收益率。一般而言,收益率越高,看涨期权价格越高;波动率越大,看涨期权价格越高。故风险中性下的预期波动率(方差)会高于风险厌恶下的实际波动率(方差)。在理性预期的假设下,方差风险溢价为汇率的隐含方差减去实际方差,实际方差和方差风险溢价之和正好等于隐含方差。因此,期权隐含波动率数据的信息中包括两种风险——汇率波动风险和汇率波动不确定性的风险。

通过一定的实证分析,笔者发现:第一,8.11汇改前实际方差和方差风险溢价均没有单独体现在人民币汇率的风险定价中,但隐含方差却纳入了人民币汇率定价。这说明当时人民币汇率波动的不确定性的确较小,方差风险溢价还没有单独成为风险来源,并且这一阶段,隐含方差对于未来的汇率具有一定预测功效。第二,8.11汇改后,双向波动市场环境下方差风险溢价体现在了人民币汇率风险定价中,说明波动率不确定性风险的重要性凸显,人民币汇率的市场化形成机制更为成熟。这与日元、瑞士法郎、英镑(1.3695-0.0036-0.26%)、德国马克(欧元(1.1895-0.0018-0.15%)推出之前)等货币的波动率风险溢价存在的国际经验一致。因此,以波动率不确定性的视角来对标世界主要货币,人民币汇率的市场化程度确实得到了有效提升。第三,8.11汇改前后,期权隐含波动率数据均以不同的形式体现在人民币汇率风险定价中,反映出我国外汇期权市场趋向成熟,发挥了价格发现的功能。

三、对隐含波动率报价的一些启示

综合以上分析,外汇市场参与者可以从两个角度来形成隐含波动率报价。一是根据人民币汇率情绪指数的影响因素来报出隐含波动率;二是预测未来汇率实际波动率,再根据汇率波动率风险溢价(人民币汇率情绪指数与实际波动率之差,经济学意义与方差风险溢价一致)的影响因素来报出波动率风险溢价,两者之和形成风险中性下的隐含波动率报价。为研究8.11汇改后人民币汇率情绪指数和汇率波动率风险溢价的影响因素,笔者考虑了如下变量:(1)经济基本面情况,包括中国PMI、美国制造业PMI、美国非制造业PMI;(2)国际收支情况,包括海关进出口顺差和短期资本流动(外汇占款增量-贸易顺差-FDI实际利用额);(3)代客市场结售汇行为,可用银行代客结汇/收汇率和售汇/付汇率来衡量,前者指当期银行代客结汇与代客收汇之比,后者为当期银行代客售汇与代客付汇之比;(4)美元指数。

简单的实证分析发现:第一,仅售汇/付汇率对人民币汇率情绪指数有显著的影响,两者的关系为负。8.11汇改后,人民币出现了若干次的阶段性贬值,如2016年底至2017年初、2018年四季度、2019年5月人民币汇率就面临了三次“破7”压力,2019年8月更是实现了“破7”。售汇行为加剧会增大贬值压力,但传导到预期上,却是预期的汇率波动率收窄。这体现出了市场理性,认为汇率能够发挥自动调节作用,接下来的汇率走势会回归合理水平。换一个角度看,当人民币呈现一定的升值趋势时,售汇/付汇率增大会缓解升值压力,防止波动率预期进一步发散。不过人民币汇率情绪指数对结汇情况不敏感。此外,人民币汇率情绪指数还有常见的自回归特征。第二,仅美元指数变动绝对值对波动率风险溢价有显著的影响,两者的关系为正。美元汇率是全球宏观经济金融波动的“晴雨表”之一,被许多文献证明是货币超额收益的重要定价因子。本文也发现美元指数波动的外部因素的确会加大波动率不确定性的风险,进而影响人民币汇率的风险定价。因此短期内,近期的代客市场售汇情况和美元指数波动是报出人民币汇率情绪指数及波动率风险溢价的重要参考,而经济基本面、国际收支情况与它们的相关性却较弱。当然,基于某delta或执行价的隐含波动率报价,还要依照汇率变动方向(隐含波动率曲线形状)的预判等因素做出一定调整。人民币汇率情绪指数及波动率风险溢价的其他影响因素也有待进一步挖掘。

 

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    “Just like I did in the US Army, where I volunteered to go to the war, wanting to do something different — I decided to come here to Korea to try something different,” says the Korean-American chef and judge on hit reality cooking show “Culinary Class Wars,” which has just been green-lit for a second season.
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    Sung, 42, is the head chef and owner of South Korea’s only three-Michelin-starred restaurant, Mosu Seoul. In recent weeks, he has gained a new legion of fans as the meticulous and straight-talking judge on the new Netflix series. It’s this passion and unwavering drive to forge his own path that’s helped reshape fine dining in his birth home.
    Born in Seoul, South Korea’s capital, Sung and his family emigrated to San Diego, California when he was 13.

    “We were just a family from Korea, seeking the American Dream,” he says. “As an immigrant family, we didn’t really know English.”

    As a teen growing up on the US West Coast, his mind couldn’t have been further from cooking.

    “I went to school, got into college, but decided to join the US Army because that’s the only way I thought I could travel,” says the chef.

    Over four years of service, he trained in bases across the country, before being deployed to his country of birth, South Korea and — following 9/11 — to the Middle East.

    2024年10月28日
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    Researchers have connected the identity of skeletal remains found in a well at Norway’s Sverresborg castle to a passage in a centuries-old Norse text.

    The 800-year-old Sverris saga, which follows the story of the real-life King Sverre Sigurdsson, includes the tossing of the body of a dead man — later known as “Well-man” — down a well during a military raid in central Norway in 1197.
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    It’s likely, according to the text, that raiders lobbed the body into the well to poison the main water source for locals, but little else is said about the man or who he was in the saga.

    Researchers initially uncovered the bones in the castle’s well in 1938, but they were only able to carry out a visual analysis at the time. Now, scientists have an array of analytical techniques at their disposal, including genetic sequencing and radiocarbon dating.

    A new study on the remains, published Friday in the Cell Press journal iScience, reveals unprecedented insights into Well-man’s appearance based on in-depth research on samples of his teeth.

    “This is the first time that a person described in these historical texts has actually been found,” said study coauthor Michael D. Martin, a professor in the department of natural history at the Norwegian University of Science and Technology’s University Museum in Trondheim, in a statement.

    “There are a lot of these medieval and ancient remains all around Europe, and they’re increasingly being studied using genomic methods.”

    The findings not only shed fresh light on what Well-man looked like but also who he was, with a surprising twist about how he ended up in a Norse saga.

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    Archaeologists have uncovered a tiny house in Pompeii that is filled with elaborate – and sometimes erotic – frescoes, further revealing the ornate way in which Romans decorated their homes.

    Situated in the central district of the ancient city, the house is smaller than normal and unusually lacks the open central courtyard – known as an atrium – that is typical of Roman architecture, the Archaeological Park of Pompeii, which oversees the site, said in a statement Thursday.
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    This change could have occurred due to shifting trends in Roman - and particularly Pompeian - society, during the first century AD, archaeologists said.

    Pompeii was destroyed by the eruption of Mount Vesuvius in AD 79 when its buildings and thousands of inhabitants were buried beneath layers of ash and pumice. This coating perfectly preserved the city for millennia, making it one of the most important archaeological sites in the world as it offers an unprecedented insight into Roman daily life.
    This latest discovery spotlights the ornate decorations that rich Romans enjoyed in their homes – several frescoes depict mythical scenes and others are decorated with plant and animal motifs on a white background.

    One small square painting set against a blue-painted wall depicts intercourse between a satyr and a nymph, while another shows Hippolytus, son of the mythical Greek king Theseus, and his stepmother Phaedra who fell in love with him before killing herself when he rejected her in disgust.

    2024年10月28日
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    He served with the US Army in Iraq. Now he’s one of Asia’s top chefs and a Netflix ‘Culinary Class Wars’ judge
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    From a warzone in Iraq to a Michelin-starred kitchen and a hit Netflix show, chef Sung Anh’s path to the top of Asia’s fine dining scene has been anything but ordinary.

    “Just like I did in the US Army, where I volunteered to go to the war, wanting to do something different — I decided to come here to Korea to try something different,” says the Korean-American chef and judge on hit reality cooking show “Culinary Class Wars,” which has just been green-lit for a second season.
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    Sung, 42, is the head chef and owner of South Korea’s only three-Michelin-starred restaurant, Mosu Seoul. In recent weeks, he has gained a new legion of fans as the meticulous and straight-talking judge on the new Netflix series. It’s this passion and unwavering drive to forge his own path that’s helped reshape fine dining in his birth home.
    Born in Seoul, South Korea’s capital, Sung and his family emigrated to San Diego, California when he was 13.

    “We were just a family from Korea, seeking the American Dream,” he says. “As an immigrant family, we didn’t really know English.”

    As a teen growing up on the US West Coast, his mind couldn’t have been further from cooking.

    “I went to school, got into college, but decided to join the US Army because that’s the only way I thought I could travel,” says the chef.

    Over four years of service, he trained in bases across the country, before being deployed to his country of birth, South Korea and — following 9/11 — to the Middle East.

    2024年10月28日
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    This teen became the youngest person to summit the world’s highest peaks. Now he wants others to follow in his footsteps
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    Nima Rinji Sherpa’s ears are still tinged black from wind chill, an occupational hazard of climbing to heights where humans struggle to breathe, and where the weather can turn deadly in an instant.

    This month, Nima became the youngest person to summit all 14 of the world’s highest peaks, but the 18-year-old Nepalese mountaineer is already getting ready for his next big feat.
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    Speaking to CNN via video call from the Nepali capital Kathmandu last week, Nima said he’s taking a couple weeks’ rest before preparing to climb the world’s eighth-highest mountain, Manaslu, with Italian mountaineer Simone Moro – in winter, alpine-style.

    “That means we’re climbing an 8,000-meter mountain in winter… There’s no fixed ropes for us, there’s no (supplemental) oxygen for us, there is no support for us. So, it’s like pure human endurance,” Nima said. “It has never been done in the history of mountaineering.”

    After that, “I’ll take some rest,” Nima laughed.

    On October 9, Nima reached the top of the 8,027-meter (26,335-foot) Shishapangma along with his partner Pasang Nurbu Sherpa. For Nima, it was the final of the “eight-thousanders,” the 14 peaks recognized by the International Climbing and Mountaineering Federation as standing more than 8,000 meters above sea level.

    Describing the moment of summiting the final peak as “pure joy,” Nima said his motivation comes from his family, many of whom are renowned mountaineers.

    His father, Tashi Lakpa Sherpa, has climbed Everest nine times, and at age 19 became the youngest person to summit without bottled oxygen. His uncle Mingma Sherpa became the first South Asian climber to summit the 14 peaks in 2011.

    “My uncles and my father, they are way more successful than I would ever be because they came from a very small village. To even dream about being this successful, for them it was really hard,” Nima said. “I have the privilege that they didn’t have.”

    2024年10月28日
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    He served with the US Army in Iraq. Now he’s one of Asia’s top chefs and a Netflix ‘Culinary Class Wars’ judge
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    From a warzone in Iraq to a Michelin-starred kitchen and a hit Netflix show, chef Sung Anh’s path to the top of Asia’s fine dining scene has been anything but ordinary.

    “Just like I did in the US Army, where I volunteered to go to the war, wanting to do something different — I decided to come here to Korea to try something different,” says the Korean-American chef and judge on hit reality cooking show “Culinary Class Wars,” which has just been green-lit for a second season.
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    Sung, 42, is the head chef and owner of South Korea’s only three-Michelin-starred restaurant, Mosu Seoul. In recent weeks, he has gained a new legion of fans as the meticulous and straight-talking judge on the new Netflix series. It’s this passion and unwavering drive to forge his own path that’s helped reshape fine dining in his birth home.
    Born in Seoul, South Korea’s capital, Sung and his family emigrated to San Diego, California when he was 13.

    “We were just a family from Korea, seeking the American Dream,” he says. “As an immigrant family, we didn’t really know English.”

    As a teen growing up on the US West Coast, his mind couldn’t have been further from cooking.

    “I went to school, got into college, but decided to join the US Army because that’s the only way I thought I could travel,” says the chef.

    Over four years of service, he trained in bases across the country, before being deployed to his country of birth, South Korea and — following 9/11 — to the Middle East.

    2024年10月28日
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    Nima Rinji Sherpa’s ears are still tinged black from wind chill, an occupational hazard of climbing to heights where humans struggle to breathe, and where the weather can turn deadly in an instant.

    This month, Nima became the youngest person to summit all 14 of the world’s highest peaks, but the 18-year-old Nepalese mountaineer is already getting ready for his next big feat.
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    Speaking to CNN via video call from the Nepali capital Kathmandu last week, Nima said he’s taking a couple weeks’ rest before preparing to climb the world’s eighth-highest mountain, Manaslu, with Italian mountaineer Simone Moro – in winter, alpine-style.

    “That means we’re climbing an 8,000-meter mountain in winter… There’s no fixed ropes for us, there’s no (supplemental) oxygen for us, there is no support for us. So, it’s like pure human endurance,” Nima said. “It has never been done in the history of mountaineering.”

    After that, “I’ll take some rest,” Nima laughed.

    On October 9, Nima reached the top of the 8,027-meter (26,335-foot) Shishapangma along with his partner Pasang Nurbu Sherpa. For Nima, it was the final of the “eight-thousanders,” the 14 peaks recognized by the International Climbing and Mountaineering Federation as standing more than 8,000 meters above sea level.

    Describing the moment of summiting the final peak as “pure joy,” Nima said his motivation comes from his family, many of whom are renowned mountaineers.

    His father, Tashi Lakpa Sherpa, has climbed Everest nine times, and at age 19 became the youngest person to summit without bottled oxygen. His uncle Mingma Sherpa became the first South Asian climber to summit the 14 peaks in 2011.

    “My uncles and my father, they are way more successful than I would ever be because they came from a very small village. To even dream about being this successful, for them it was really hard,” Nima said. “I have the privilege that they didn’t have.”

    2024年10月28日
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    Nima Rinji Sherpa’s ears are still tinged black from wind chill, an occupational hazard of climbing to heights where humans struggle to breathe, and where the weather can turn deadly in an instant.

    This month, Nima became the youngest person to summit all 14 of the world’s highest peaks, but the 18-year-old Nepalese mountaineer is already getting ready for his next big feat.
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    Speaking to CNN via video call from the Nepali capital Kathmandu last week, Nima said he’s taking a couple weeks’ rest before preparing to climb the world’s eighth-highest mountain, Manaslu, with Italian mountaineer Simone Moro – in winter, alpine-style.

    “That means we’re climbing an 8,000-meter mountain in winter… There’s no fixed ropes for us, there’s no (supplemental) oxygen for us, there is no support for us. So, it’s like pure human endurance,” Nima said. “It has never been done in the history of mountaineering.”

    After that, “I’ll take some rest,” Nima laughed.

    On October 9, Nima reached the top of the 8,027-meter (26,335-foot) Shishapangma along with his partner Pasang Nurbu Sherpa. For Nima, it was the final of the “eight-thousanders,” the 14 peaks recognized by the International Climbing and Mountaineering Federation as standing more than 8,000 meters above sea level.

    Describing the moment of summiting the final peak as “pure joy,” Nima said his motivation comes from his family, many of whom are renowned mountaineers.

    His father, Tashi Lakpa Sherpa, has climbed Everest nine times, and at age 19 became the youngest person to summit without bottled oxygen. His uncle Mingma Sherpa became the first South Asian climber to summit the 14 peaks in 2011.

    “My uncles and my father, they are way more successful than I would ever be because they came from a very small village. To even dream about being this successful, for them it was really hard,” Nima said. “I have the privilege that they didn’t have.”

    2024年10月28日
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    Archaeologists have uncovered a tiny house in Pompeii that is filled with elaborate – and sometimes erotic – frescoes, further revealing the ornate way in which Romans decorated their homes.

    Situated in the central district of the ancient city, the house is smaller than normal and unusually lacks the open central courtyard – known as an atrium – that is typical of Roman architecture, the Archaeological Park of Pompeii, which oversees the site, said in a statement Thursday.
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    This change could have occurred due to shifting trends in Roman - and particularly Pompeian - society, during the first century AD, archaeologists said.

    Pompeii was destroyed by the eruption of Mount Vesuvius in AD 79 when its buildings and thousands of inhabitants were buried beneath layers of ash and pumice. This coating perfectly preserved the city for millennia, making it one of the most important archaeological sites in the world as it offers an unprecedented insight into Roman daily life.
    This latest discovery spotlights the ornate decorations that rich Romans enjoyed in their homes – several frescoes depict mythical scenes and others are decorated with plant and animal motifs on a white background.

    One small square painting set against a blue-painted wall depicts intercourse between a satyr and a nymph, while another shows Hippolytus, son of the mythical Greek king Theseus, and his stepmother Phaedra who fell in love with him before killing herself when he rejected her in disgust.

    2024年10月28日
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    During the day, Yemeni coffeehouses function similar to many neighborhood spots. Patrons host meetings, college students study and others pop in for a quick cup to-go.
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    But at night, they serve as de-facto living rooms, especially for young Muslims who don’t go to clubs and bar. From New York to Dallas, especially during the late nights of Ramadan, the crowd overflows into the street and you often have to yell to be heard inside. Some young Muslims even venture to the coffee shops in hopes of finding a life partner.

    Nowhere is this coffeehouse culture more pronounced, and celebrated, than in Dearborn, Michigan, a suburb of Detroit and home to one of the largest Arab American communities in the United States.

    Downtown Dearborn is peppered with different Yemeni coffee houses, which Howell said helped revitalize the Detroit area after the city became the largest municipality go to bankrupt in 2013. And it’s only growing.

    “It’s become sort of contagious,” Howell said. “Several Yemeni entrepreneurs are opening coffee houses of their own, each with its own sort of style and atmosphere.”

    The coffee chains have big ambitions beyond Dearborn. Qahwah House hopes to open another 20 to 30 locations in the next year, spanning across 12 states and Canada, Alhasbani said. They are also licensed out, but Alhasbani says he sets a high standard before agreeing to let anyone open a shop.

    “We have too many people that come (asking me) they want to open. I have more than 10 different requests a day just to open this kind of business,” he said. “We don’t give anyone license until we make sure the person has the love for the brand and his mind and his heart in the Qahwah House.”
    Another authentic Yemeni coffee chain, Haraz, also sees crowds of people throughout the day and night. They opened their first location in New York City last week — less than half a mile away from Qahwah House’s downtown Manhattan shop — and the franchisees plan to grow.

    2024年10月28日
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    In the Middle East, coffee isn’t a grab-and-go drink used to wake up with, but a social exchange. While coffee beans originated in Ethiopia, the earliest evidence of cultivation appeared in Yemen through trading across the Red Sea.
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    The practice followed into the early 20th century and across the world, when the first wave of Middle Eastern immigrants came to Detroit to work in the auto industry or shipping yards, Howell said. Most immigrants were men who migrated alone, so one of the first institutions they created were coffee houses where they would gather to socialize, share news about their home country, and even write letters back home. Many of the initial mosques in the area were originally established in the backs of the coffee houses.
    Yemeni men working in shipping on the Great Lakes “would work for months at a time and then have a few weeks off and then work again,” leaving them unable to visit their families back in Yemen, Howell said. “The coffee houses in the Detroit area were a really important institution.”

    “Our mission is to bring everyone in one place and share history,” Ibrahim Alhasbani, founder of the first contemporary Yemeni coffee chain Qahwah House, told CNN. “That’s why we serve the coffee in a pot. People come inside the store and they share one pot and they can talk and they share different stories.”

    A new chapter for Yemeni coffee
    Contemporary chains are designed by a new demographic — the descendants of these immigrants who are bringing Yemeni coffee culture to the American mainstream.

    The very first Qahwah Houses in Dearborn were airy and upscale, a familiar setting to patrons of established coffee chains. But they also brought with them Yemeni culture, with coffee beans imported from local farmers, artifacts from the region and the founder’s family tree on the wall.

    2024年10月28日
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    In the Middle East, coffee isn’t a grab-and-go drink used to wake up with, but a social exchange. While coffee beans originated in Ethiopia, the earliest evidence of cultivation appeared in Yemen through trading across the Red Sea.
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    The practice followed into the early 20th century and across the world, when the first wave of Middle Eastern immigrants came to Detroit to work in the auto industry or shipping yards, Howell said. Most immigrants were men who migrated alone, so one of the first institutions they created were coffee houses where they would gather to socialize, share news about their home country, and even write letters back home. Many of the initial mosques in the area were originally established in the backs of the coffee houses.
    Yemeni men working in shipping on the Great Lakes “would work for months at a time and then have a few weeks off and then work again,” leaving them unable to visit their families back in Yemen, Howell said. “The coffee houses in the Detroit area were a really important institution.”

    “Our mission is to bring everyone in one place and share history,” Ibrahim Alhasbani, founder of the first contemporary Yemeni coffee chain Qahwah House, told CNN. “That’s why we serve the coffee in a pot. People come inside the store and they share one pot and they can talk and they share different stories.”

    A new chapter for Yemeni coffee
    Contemporary chains are designed by a new demographic — the descendants of these immigrants who are bringing Yemeni coffee culture to the American mainstream.

    The very first Qahwah Houses in Dearborn were airy and upscale, a familiar setting to patrons of established coffee chains. But they also brought with them Yemeni culture, with coffee beans imported from local farmers, artifacts from the region and the founder’s family tree on the wall.

    2024年10月28日
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    Los Angeles Dodgers superstar Shohei Ohtani suffered a shoulder injury before the Dodgers’ 4-2 win over the New York Yankees in Game 2 of the World Series Saturday.

    The Japanese slugger sustained a left shoulder subluxation and will undergo more testing, Los Angeles Dodgers manager Dave Roberts said after the game, adding that the team is however “encouraged” about the injury.
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    “The strength was great,” Roberts told reporters. “The range of motion good. So, we’re encouraged. But obviously I can’t speculate because we don’t get the scans yet. So, once we get the scans, we’ll know more. Again, with the strength, the range of motion good, that’s certainly a positive.

    A shoulder subluxation occurs when “the humerus partially slides in and out of place quickly,” according to Johns Hopkins Medicine.

    With the Dodgers up 4-1 in the bottom of the seventh inning, Ohtani attempted to steal second base but was thrown out to end the inning. Ohtani, however, stayed on the ground grimacing in pain and eventually walked off the field with trainers holding his left arm.
    “Obviously when you get any one of your players that goes down, it’s concerning,” Roberts said. “But after kind of the range of motion, the strength test, I felt much better about it.”

    According to the FOX broadcast, microphones picked up a conversation between Ohtani and trainers saying that his left shoulder appears to have popped out of its socket.

    This weekend’s playoffs mark Ohtani’s first appearance in the postseason after he missed out in each of his six seasons with the Los Angeles Angels.

    The star player is riding on a series of remarkable accomplishments in recent months, including hitting his 50th homer of the season and stealing his 50th base in the Dodgers’ victory over the Miami Marlins last Thursday. Ohtani went on to rack up his 51st of each stat by the end of the contest.

    2024年10月28日
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    During the day, Yemeni coffeehouses function similar to many neighborhood spots. Patrons host meetings, college students study and others pop in for a quick cup to-go.
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    But at night, they serve as de-facto living rooms, especially for young Muslims who don’t go to clubs and bar. From New York to Dallas, especially during the late nights of Ramadan, the crowd overflows into the street and you often have to yell to be heard inside. Some young Muslims even venture to the coffee shops in hopes of finding a life partner.

    Nowhere is this coffeehouse culture more pronounced, and celebrated, than in Dearborn, Michigan, a suburb of Detroit and home to one of the largest Arab American communities in the United States.

    Downtown Dearborn is peppered with different Yemeni coffee houses, which Howell said helped revitalize the Detroit area after the city became the largest municipality go to bankrupt in 2013. And it’s only growing.

    “It’s become sort of contagious,” Howell said. “Several Yemeni entrepreneurs are opening coffee houses of their own, each with its own sort of style and atmosphere.”

    The coffee chains have big ambitions beyond Dearborn. Qahwah House hopes to open another 20 to 30 locations in the next year, spanning across 12 states and Canada, Alhasbani said. They are also licensed out, but Alhasbani says he sets a high standard before agreeing to let anyone open a shop.

    “We have too many people that come (asking me) they want to open. I have more than 10 different requests a day just to open this kind of business,” he said. “We don’t give anyone license until we make sure the person has the love for the brand and his mind and his heart in the Qahwah House.”
    Another authentic Yemeni coffee chain, Haraz, also sees crowds of people throughout the day and night. They opened their first location in New York City last week — less than half a mile away from Qahwah House’s downtown Manhattan shop — and the franchisees plan to grow.

    2024年10月28日
  • WilliamNop

    What the rising popularity of Yemeni coffee shops says about third places
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    The most popular spot on a late Friday night in a pocket of Manhattan’s West Village isn’t a trendy bar or a Michelin-starred restaurant but a Yemeni coffee house chain strictly serving coffee, tea and pastries.

    A step into Qahwah House on Carmine Street offers a rich whiff of cardamom, Arabic music and crowds of people both at tables and in line to order. The energy spills over into the sidewalk, where some begin performing a Levantine folk dance known as dabke. It’s a snapshot of various Eastern cultures; Arabic, Farsi and Urdu fill the air, and some customers don traditional attire.
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    Qahwah House is just one of a string of Yemeni coffee chains that originated in the Arab-populated Detroit area and are rapidly springing up across the country, often where there are significant Middle Eastern and Muslim populations. Nineteen Qahwah House locations are open across seven states, with more under construction and expected to open this year. Another chain, Haraz, opened this month in the pricey SoHo neighborhood in Manhattan, with at least six more in the region planned in the next two years. Times Square will be home to two other chains, MOKAFE and Qamaria Yemeni Coffee Co.

    The rapid expansion of these shops underscores the demand for late-night social spots for not only young Muslims and Middle Easterners, but also younger people who are looking for a non-digital third space where they can hang out without alcohol or having to yell over loud music.
    They don’t have many other options. Malls, a traditional third place for young people, are growing more and more unpopular. Chains like Starbucks have become more like take-out counters. Alcohol-free lifestyles are growing even for those outside of the Muslim faith, which many practicing the religion already take part in.

    So for many young people in urban areas, especially those from immigrant communities looking for a way to connect to their cultures, it’s a great option.

    2024年10月29日
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    Qahwah House is just one of a string of Yemeni coffee chains that originated in the Arab-populated Detroit area and are rapidly springing up across the country, often where there are significant Middle Eastern and Muslim populations. Nineteen Qahwah House locations are open across seven states, with more under construction and expected to open this year. Another chain, Haraz, opened this month in the pricey SoHo neighborhood in Manhattan, with at least six more in the region planned in the next two years. Times Square will be home to two other chains, MOKAFE and Qamaria Yemeni Coffee Co.

    The rapid expansion of these shops underscores the demand for late-night social spots for not only young Muslims and Middle Easterners, but also younger people who are looking for a non-digital third space where they can hang out without alcohol or having to yell over loud music.
    They don’t have many other options. Malls, a traditional third place for young people, are growing more and more unpopular. Chains like Starbucks have become more like take-out counters. Alcohol-free lifestyles are growing even for those outside of the Muslim faith, which many practicing the religion already take part in.

    So for many young people in urban areas, especially those from immigrant communities looking for a way to connect to their cultures, it’s a great option.

    2024年10月29日
  • JamesBoora

    What the rising popularity of Yemeni coffee shops says about third places
    <a href=https://kr13at.cc>кракен вход</a>
    The most popular spot on a late Friday night in a pocket of Manhattan’s West Village isn’t a trendy bar or a Michelin-starred restaurant but a Yemeni coffee house chain strictly serving coffee, tea and pastries.

    A step into Qahwah House on Carmine Street offers a rich whiff of cardamom, Arabic music and crowds of people both at tables and in line to order. The energy spills over into the sidewalk, where some begin performing a Levantine folk dance known as dabke. It’s a snapshot of various Eastern cultures; Arabic, Farsi and Urdu fill the air, and some customers don traditional attire.
    https://kr13at.cc
    kraken marketplace
    Qahwah House is just one of a string of Yemeni coffee chains that originated in the Arab-populated Detroit area and are rapidly springing up across the country, often where there are significant Middle Eastern and Muslim populations. Nineteen Qahwah House locations are open across seven states, with more under construction and expected to open this year. Another chain, Haraz, opened this month in the pricey SoHo neighborhood in Manhattan, with at least six more in the region planned in the next two years. Times Square will be home to two other chains, MOKAFE and Qamaria Yemeni Coffee Co.

    The rapid expansion of these shops underscores the demand for late-night social spots for not only young Muslims and Middle Easterners, but also younger people who are looking for a non-digital third space where they can hang out without alcohol or having to yell over loud music.
    They don’t have many other options. Malls, a traditional third place for young people, are growing more and more unpopular. Chains like Starbucks have become more like take-out counters. Alcohol-free lifestyles are growing even for those outside of the Muslim faith, which many practicing the religion already take part in.

    So for many young people in urban areas, especially those from immigrant communities looking for a way to connect to their cultures, it’s a great option.

    2024年10月29日
  • AntonioWoulp

    Накрутка поведенческих факторов
    <a href=https://nakrutka-povedencheskih.ru>накрутка поведенческих факторов заказать</a>
    Если ты когда-нибудь задумывался, почему твой сайт где-то на задворках Яндекса, а не сияет на первой странице, то ты по адресу. Сегодня мы разберемся, как раскрутить сайт в Яндексе, чем SEO для Яндекса отличается от Google, и что за загадочные поведенческие факторы все обсуждают. Поехали!
    Чем SEO для Яндекса отличается от Google?
    Давай начнем с того, что Яндекс и Google — это как два разных мира со своими правилами игры. Представь, что это как играть в футбол и в американский футбол: мяч вроде есть, но правила разные.

    1. Региональность
    Яндекс очень любит локальный контент. Если ты в Новосибирске, то Яндекс покажет тебе сайты из Новосибирска.
    Google более глобален и не так сильно зациклен на региональности.
    2. Поведенческие факторы
    Яндекс обращает внимание на то, как пользователи взаимодействуют с твоим сайтом: сколько времени проводят, сколько страниц просматривают и т.д.
    Google тоже смотрит на это, но не настолько фанатично.
    3. Ссылочное ранжирование
    Яндекс более скептически относится к количеству ссылок и больше ценит их качество.
    Google любит, когда на тебя ссылаются все и вся, но тоже ценит качество.
    4. Анализ контента
    Яндекс уделяет больше внимания морфологии русского языка и лучше понимает сложные конструкции.
    Google может иногда «спотыкаться» на наших падежах и склонениях.
    Что такое поведенческие факторы?
    А теперь к загадочным поведенческим факторам. Это как твой сайт ведет себя на первом свидании с пользователем. Если все круто — будет второе свидание (и хорошие позиции в выдаче).

    Основные поведенческие факторы:
    Время на сайте: сколько пользователь тусит на твоем сайте.
    Глубина просмотра: сколько страниц он посмотрел.
    Показатель отказов: ушел ли он сразу или задержался.
    Возвраты на сайт: возвращаются ли пользователи снова.

    2024年10月29日
  • Curtisevaps

    SEO Agency
    <a href=https://seo-agency-1.com>seo agency</a>
    In the vast and boundless realm of the digital cosmos, where every business, great or modest, doth strive for recognition amidst the celestial constellations of the internet, there exists a beacon—a company of noble purpose and profound wisdom. This is the tale of such an enterprise, an SEO company that, like a masterful alchemist, transmutes the ordinary into the extraordinary, guiding both small ventures and mighty corporations toward the zenith of their potential.
    SEO for Your Business
    Imagine, if you will, a humble merchant, whose wares, though crafted with utmost care and unparalleled quality, remain unseen by the wandering eyes of the multitude. Beside him stands a titan of industry, whose name echoes through the corridors of commerce, yet seeks to ascend even higher, to realms unexplored. Both stand upon the shores of the vast digital sea, gazing toward the horizon, yearning for a guide to navigate the treacherous waters that lie ahead.

    Enter the SEO company, a sage of the digital age, whose knowledge penetrates the very fabric of the internet’s intricate tapestry. With wisdom gleaned from years of toil and triumph, they approach the merchant and the titan alike, offering not mere services, but a partnership forged in mutual aspiration.

    2024年10月29日
  • LarryLaupt

    SEO Expert
    Hey there, digital trailblazer! Ever wondered how some websites just seem to magically appear at the top of your search results? Spoiler alert: it’s not magic—it’s the incredible work of SEO experts! These wizards of the web are the unsung heroes helping businesses shine online. Ready to dive into their world and see how they can catapult your business to new heights? Let’s go!
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    SEO (Search Engine Optimization) experts are like the navigators of the digital seas. They chart the course for websites to reach the coveted top spots on search engines like Google. Here’s how they make the magic happen:

    Optimize Websites: They tweak and tune websites to be search-engine-friendly.
    Analyze Data: Using analytics, they uncover what’s working and what’s not.
    Strategize Content: Crafting content that resonates with both humans and algorithms.
    Build Links: Connecting your site with others to boost credibility.
    Stay Updated: Algorithms change, and so do their strategies.

    In a nutshell, they help businesses get found by the right people at the right time.
    Site Analysis: The Detective Work of SEO
    Imagine you’re opening a new cafe. Before the grand opening, you’d want to make sure everything’s perfect, right? Similarly, SEO experts perform a site analysis to ensure your website is in tip-top shape.

    Live Example: The Case of “Joe’s Fitness Hub”
    Joe’s Fitness Hub wasn’t getting much traffic despite having great content. An SEO expert stepped in to analyze the site and discovered:

    Slow Loading Pages: Images weren’t optimized.
    Broken Links: Some pages led to 404 errors.
    Poor Mobile Experience: The site wasn’t mobile-friendly.

    By identifying these issues, they set the stage for a major turnaround.

    2024年10月29日
  • Donaldquish

    Раскрутка сайта в Яндексе
    <a href=https://seo-company-1.ru>услуги продвижения сайта в топ</a>
    Если вы хотите покорить просторы интернета и сделать свой сайт заметным в Яндексе, то вы попали по адресу. Давайте разберемся, как раскрутить сайт в Яндексе, чем SEO для Яндекса отличается от Google, и что такое поведенческие факторы. Пристегните ремни, будет интересно!
    Чем SEO для Яндекса отличается от Google?
    Итак, вы, наверное, думаете: «SEO есть SEO, какая разница?» Но нет! Яндекс и Google — это как разные вселенные со своими правилами игры.

    1. Алгоритмы ранжирования
    Яндекс больше ориентируется на региональность. Если ваш бизнес в Москве, то Яндекс покажет ваш сайт москвичам в первую очередь.
    Google больше глобален и обращает внимание на международные факторы.
    2. Поведенческие факторы
    Яндекс очень серьезно относится к поведенческим факторам. Это значит, что ему важно, как пользователи взаимодействуют с вашим сайтом.
    Google тоже учитывает это, но в меньшей степени.
    3. Учет ссылок
    Яндекс более скептически относится к количеству внешних ссылок и больше ценит их качество.
    Google любит, когда на ваш сайт ссылаются другие ресурсы, и учитывает это при ранжировании.

    2024年10月29日
  • BrettCRoto

    Link Building Services
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    Hey there, future SEO rockstar! Ready to skyrocket your business to new heights? Let’s dive into the exciting world of link building services that can seriously amp up your online presence. Whether you’re just starting out or looking to boost your existing strategy, we’ve got the lowdown on the coolest methods out there—think crowd marketing, guest posting, PBNs, and more!
    Why Link Building is Your New Best Friend
    First things first: why should you care about link building? Well, in the digital universe, backlinks are like high-fives from other websites telling search engines, “Hey, this site is pretty cool!” The more quality high-fives you get, the more popular you become in the eyes of Google and friends. And you know what that means—higher rankings, more traffic, and a whole lot of new customers knocking on your virtual door.
    Guest Posting: Share Your Voice with the World
    Imagine getting to share your ideas on someone else's platform and gaining their audience's trust. That's guest posting in a nutshell! You create killer content for other websites in your niche, and in return, you get a sweet backlink to your site. Why It's Cool: You tap into new audiences, build your brand's credibility, and boost your SEO. Pro Tip: Make sure your content is top-notch and adds real value. No one likes fluff!
    Crowd Marketing: Join the Conversation
    Crowd marketing is all about jumping into online communities—forums, social media groups, you name it—and sharing your wisdom. It's not about shameless plugs; it's about being genuinely helpful. Why It's Cool: You build relationships, establish yourself as an expert, and earn organic backlinks. Pro Tip: Be authentic. People can spot a fake from a mile away.

    2024年10月29日
  • Angelsax

    "Дело "Лайф-из-Гуд" — "Гермес" — "Бест Вей": свидетель обвинения объявила себя потерпевшей от следствия
    <a href=https://ok.ru/roman.v.vasilenko>Н. Школьник</a>
    6 и 13 июня Приморский районный суд города Санкт-Петербурга, рассматривающий по существу уголовное дело № 1-504/24, связываемое с компаниями "Лайф-из-Гуд", "Гермес" и кооперативом "Бест Вей", провел очередные, шестое и седьмое по счету, заседания, посвященные допросу свидетелей обвинения и лиц, признанных следствием потерпевшими в рамках судебного следствия по делу
    На заседаниях были заслушаны показания граждан, как признанных потерпевшими, так и свидетелей обвинения. Показания приводятся по аудиозаписи, имеющейся в распоряжении редакции, и стенограмме, которую вела сторона защиты.

    Справка

    Предварительное расследование уголовного дела осуществлялось ГСУ ГУ МВД России по Санкт-Петербургу и Ленинградской области. На скамье подсудимых — десять граждан: Анна Высоцкая (за полгода до ареста уволилась из "Лайф-из-Гуд", до августа 2021 года работала ивент-менеджером "Лайф-из-Гуд", в СИЗО более двух лет), Александра Григорьева (директор одного из "технических" юрлиц "Лайф-из-Гуд", в СИЗО более двух лет), Михаил Измайлов (предприниматель, в СИЗО более двух лет), Елена Соловьева (главный бухгалтер ООО "Эксперт", в СИЗО более двух лет), Альмира Гильберт (неработающая, в СИЗО с 2023 года), Дмитрий Мазанов (предприниматель, в СИЗО с 2023 года), Анатолий Наливан (предприниматель и региональный уполномоченный кооператива, в СИЗО с 2023 года), Денис Шишко (предприниматель, в СИЗО с 2023 года), Дмитрий Выдрин (неработающий, под домашним арестом) и 83-летний отец Романа Василенко, основателя компании "Лайф-из-Гуд" и кооператива "Бест Вей", Виктор Василенко (пенсионер, под запретом определенных действий). Начиная рассмотрение по существу, Приморский районный суд продлил всем подсудимым меры пресечения на полгода, что оспаривается адвокатами в вышестоящих судах.

    Всем подсудимым предъявлены обвинения как в мошенничестве (ч. 4 ст. 159 УК РФ) и создании финансовой пирамиды (ч. 2 ст. 172.2 УК РФ), так и в организации преступного сообщества (ч. 3 ст. 210 УК РФ). Их, а также гражданских ответчиков — прежде всего кооператив "Бест Вей" — защищают почти два десятка адвокатов.

    В уголовном деле 221 лицо, признанное следствием потерпевшим, предъявляющее претензии как к компании "Гермес", так и к кооперативу "Бест Вей" (для сравнения: у компании "Гермес" не одна сотня тысяч клиентов в России, у кооператива "Бест Вей" — около 20 тыс. пайщиков). Общая сумма ущерба в уголовном деле — 282 млн рублей, при этом на счетах кооператива арестовано около 4 млрд рублей, примерно столько же арестовано на счетах частных лиц.

    "К кооперативу претензий не было, следователь предложил подать заявление"
    Признанный следствием потерпевший Болян подсудимых не знает. Был клиентом "Гермеса", а также пайщиком кооператива — но до 2019 года. В 2019-м он вышел из кооператива и из "Гермеса", ему были возвращены паевые взносы, и никаких претензий к кооперативу у него не было — что он письменно подтвердил, расторгая договоры с этими организациями.

    Однако, как Болян отметил на суде, следователь убедил его в том, что он — потерпевший и должен подать заявление на возврат членских взносов. Заявление в МВД писать не хотел, на него вышли сотрудники, сначала претензий к кооперативу не было. Полиция ему объяснила, что можно получить деньги.

    Стал клиентом "Гермеса" и пайщиком кооператива через своего консультанта Алексея Виноградова. Виноградов — грамотный маркетолог, он ему верил, тот не работал в кооперативе. Что было предметом договора в "Гермесе", не помнит. В "Гермес" внес 100 и 700 евро, а в кооператив каждый месяц вносил по 12 тыс. в течение семи месяцев.

    Вышел и из кооператива, и из "Гермеса" в 2019 году. Зачем вступал? "Наверное, квартиру купить хотел". Кооператив вернул ему 70 тыс. паевых взносов, "Гермес" вернул со счета "Виста" 140 тыс. рублей.

    В кооперативе деньги вернули почти сразу, удержав вступительный и членские взносы; в "Гермесе" вернули позже через "внутрянку", но удержали комиссию.

    Утверждает, что ему говорили, что можно со счета "Виста" вносить деньги в кооператив. Объясняли, что деньги передаются в доверительное управление трейдерам и брокерам, которые играют на бирже. В кооперативе, как он утверждает, можно было купить место в очереди. По его словам, "Гермес" и кооператив — по сути, одна организация. Требует взыскать с кооператива более 148 тыс. рублей — вступительный и членские взносы, и более 60 тыс. рублей с "Гермеса" — комиссию при выводе средств.

    Договор с кооперативом не читал, но ему объяснили, что есть невозвратная часть денег — ее и не вернули, "но хочу попытаться вернуть". Претензий к кооперативу "как бы и нет, но если вернут взносы, то будет хорошо".

    К Виноградову претензий не предъявлял. "Может, меня и не обманули в кооперативе", -резюмировал свое выступление в суде Болян.

    "Болян — яркий пример "возгонки потерпевших", которой занималось следствие для того, чтобы нарисовать максимально большую цифру потерпевших от деятельности "Гермеса", — подчеркивают адвокаты. — Реального ущерба просто нет, да люди, по сути, и не считают себя потерпевшими. 221 лицо, признанное потерпевшим на фоне количества клиентов "Гермеса" и числа пайщиков кооператива "Бест Вей", не впечатляет. И, как мы видим, значительная часть из этого числа — ненастоящие потерпевшие, а некие лица, пытающиеся получить небольшие суммы, на которые у них нет никаких прав".

    "Требую выплатить с учетом роста цен на недвижимость"
    Признанная следствием потерпевшей Комова была как клиентом "Гермеса", так и пайщиком кооператива. Подсудимых не знает. Требует более 8800 тыс. с кооператива и более 2700 тыс. с "Гермеса". При этом из кооператива она не вышла и заявление о выходе не подавала. Сумма требований к кооперативу включает как паевые и членские взносы, так и оценку роста цен на недвижимость, которая не была приобретена.

    Утверждает, что можно переводить деньги со счета "Виста" напрямую в кооператив — в подтверждение приводит скрины переписки с консультантами в смартфоне. Суд разъясняет, что доказательство может быть приобщено позднее при надлежащем оформлении.

    2024年10月29日
  • Jefferycibra

    Groundbreaking telescope reveals first piece of new cosmic map
    <a href=https://kr13at.cc>Кракен тор</a>
    Greetings, earthlings! I’m Jackie Wattles, and I’m thrilled to be a new name bringing awe to your inbox.

    I’ve covered space exploration for nearly a decade at CNN, and there has never been a more exciting time to follow space and science discoveries. As researchers push forward to explore and understand the cosmos, advancements in technology are sparking rapid developments in rocketry, astronomical observatories and a multitude of scientific instruments.
    https://kr13at.cc
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    Look no further than the missions racing to unlock dark matter and the mysterious force known as dark energy, both so named precisely because science has yet to explain these phenomena.

    Astronomers have never detected dark matter, but they believe it makes up about 85% of the total matter in the universe. Meanwhile, the existence of dark energy helps researchers explain why the universe is expanding — and why that expansion is speeding up.
    Extraordinary new scientific instruments are churning out trailblazing data, ready to reshape how scientists view the cosmos.

    A prime example is the European Space Agency’s wide-angle Euclid telescope that launched in 2023 to investigate the riddles of dark energy and dark matter.

    Euclid this week delivered the first piece of a cosmic map — containing about 100 million stars and galaxies — that will take six years to create.

    These stunning 3D observations may help scientists see how dark matter warps light and curves space across galaxies.

    Meanwhile, on a mountaintop in northern Chile, the US National Science Foundation and Stanford University researchers are preparing to power up the world’s largest digital camera inside the Vera C. Rubin Observatory.

    Unearthed
    In the mountains of Uzbekistan, a research team used lasers strapped to a flying robot to uncover two cities buried and lost for centuries.

    The anthropologists said they had mapped these forgotten medieval towns for the first time — located at a key crossroad of ancient silk trade routes — using a drone equipped with LiDAR, or light detection and ranging equipment.

    When nature reclaims what’s left of once thriving civilizations, scientists are increasingly turning to remote sensing to peer through dense vegetation.

    The images revealed two large settlements dotted with watchtowers, fortresses, complex buildings, plazas and pathways that tens of thousands of people may have called home.

    2024年10月29日
  • Russellmal

    Europe’s secret season for travel starts now
    <a href=https://kr13at.cc>kraken даркнет</a>

    Summer might be the most popular season for tourism to Europe, but it hardly promises a calm, cool and collected experience.

    Who can forget this summer’s protests against overtourism in Barcelona and Mallorca, the wildfires that raged across Greece during the country’s hottest June and July on record and selfie stoplights to help control crowds on the clogged streets of Rome and Florence?

    For travelers looking to avoid all that — as well as break less of a sweat literally and financially — welcome to Europe’s secret season.
    https://kr13at.cc
    kraken onion
    From roughly mid-October to mid-December, shoulder season for travel to Europe comes with fewer crowds, far more comfortable temperatures in places that skew scorching hot during the summer months and plunging prices on airfare and accommodation.

    Plunging prices
    “The cheapest time to fly to Europe is typically from about the middle point of October to the middle point of December,” said Hayley Berg, lead economist at travel platform Hopper. “Airfare prices during those eight or nine weeks or so will typically be about an average of 40% lower than prices in the peak of summer in June.”

    Hopper’s data shows that airfare to Europe from the United States during the period between October 20 and December 8 is averaging between $560 and $630 per ticket — down 9% from this time last year and 5% compared to the same timeframe in 2019.

    2024年10月29日
  • Richardabows

    Groundbreaking telescope reveals first piece of new cosmic map
    <a href=https://kr13at.cc>kra15 at</a>
    Greetings, earthlings! I’m Jackie Wattles, and I’m thrilled to be a new name bringing awe to your inbox.

    I’ve covered space exploration for nearly a decade at CNN, and there has never been a more exciting time to follow space and science discoveries. As researchers push forward to explore and understand the cosmos, advancements in technology are sparking rapid developments in rocketry, astronomical observatories and a multitude of scientific instruments.
    https://kr13at.cc
    kra15.cc
    Look no further than the missions racing to unlock dark matter and the mysterious force known as dark energy, both so named precisely because science has yet to explain these phenomena.

    Astronomers have never detected dark matter, but they believe it makes up about 85% of the total matter in the universe. Meanwhile, the existence of dark energy helps researchers explain why the universe is expanding — and why that expansion is speeding up.
    Extraordinary new scientific instruments are churning out trailblazing data, ready to reshape how scientists view the cosmos.

    A prime example is the European Space Agency’s wide-angle Euclid telescope that launched in 2023 to investigate the riddles of dark energy and dark matter.

    Euclid this week delivered the first piece of a cosmic map — containing about 100 million stars and galaxies — that will take six years to create.

    These stunning 3D observations may help scientists see how dark matter warps light and curves space across galaxies.

    Meanwhile, on a mountaintop in northern Chile, the US National Science Foundation and Stanford University researchers are preparing to power up the world’s largest digital camera inside the Vera C. Rubin Observatory.

    Unearthed
    In the mountains of Uzbekistan, a research team used lasers strapped to a flying robot to uncover two cities buried and lost for centuries.

    The anthropologists said they had mapped these forgotten medieval towns for the first time — located at a key crossroad of ancient silk trade routes — using a drone equipped with LiDAR, or light detection and ranging equipment.

    When nature reclaims what’s left of once thriving civilizations, scientists are increasingly turning to remote sensing to peer through dense vegetation.

    The images revealed two large settlements dotted with watchtowers, fortresses, complex buildings, plazas and pathways that tens of thousands of people may have called home.

    2024年10月29日
  • RobertwIque

    Europe’s secret season for travel starts now
    <a href=https://kr13at.cc>kraken сайт</a>

    Summer might be the most popular season for tourism to Europe, but it hardly promises a calm, cool and collected experience.

    Who can forget this summer’s protests against overtourism in Barcelona and Mallorca, the wildfires that raged across Greece during the country’s hottest June and July on record and selfie stoplights to help control crowds on the clogged streets of Rome and Florence?

    For travelers looking to avoid all that — as well as break less of a sweat literally and financially — welcome to Europe’s secret season.
    https://kr13at.cc
    Кракен тор
    From roughly mid-October to mid-December, shoulder season for travel to Europe comes with fewer crowds, far more comfortable temperatures in places that skew scorching hot during the summer months and plunging prices on airfare and accommodation.

    Plunging prices
    “The cheapest time to fly to Europe is typically from about the middle point of October to the middle point of December,” said Hayley Berg, lead economist at travel platform Hopper. “Airfare prices during those eight or nine weeks or so will typically be about an average of 40% lower than prices in the peak of summer in June.”

    Hopper’s data shows that airfare to Europe from the United States during the period between October 20 and December 8 is averaging between $560 and $630 per ticket — down 9% from this time last year and 5% compared to the same timeframe in 2019.

    2024年10月29日
  • PatrickNag

    Groundbreaking telescope reveals first piece of new cosmic map
    <a href=https://kr13at.cc>kraken официальный сайт</a>
    Greetings, earthlings! I’m Jackie Wattles, and I’m thrilled to be a new name bringing awe to your inbox.

    I’ve covered space exploration for nearly a decade at CNN, and there has never been a more exciting time to follow space and science discoveries. As researchers push forward to explore and understand the cosmos, advancements in technology are sparking rapid developments in rocketry, astronomical observatories and a multitude of scientific instruments.
    https://kr13at.cc
    kraken ссылка
    Look no further than the missions racing to unlock dark matter and the mysterious force known as dark energy, both so named precisely because science has yet to explain these phenomena.

    Astronomers have never detected dark matter, but they believe it makes up about 85% of the total matter in the universe. Meanwhile, the existence of dark energy helps researchers explain why the universe is expanding — and why that expansion is speeding up.
    Extraordinary new scientific instruments are churning out trailblazing data, ready to reshape how scientists view the cosmos.

    A prime example is the European Space Agency’s wide-angle Euclid telescope that launched in 2023 to investigate the riddles of dark energy and dark matter.

    Euclid this week delivered the first piece of a cosmic map — containing about 100 million stars and galaxies — that will take six years to create.

    These stunning 3D observations may help scientists see how dark matter warps light and curves space across galaxies.

    Meanwhile, on a mountaintop in northern Chile, the US National Science Foundation and Stanford University researchers are preparing to power up the world’s largest digital camera inside the Vera C. Rubin Observatory.

    Unearthed
    In the mountains of Uzbekistan, a research team used lasers strapped to a flying robot to uncover two cities buried and lost for centuries.

    The anthropologists said they had mapped these forgotten medieval towns for the first time — located at a key crossroad of ancient silk trade routes — using a drone equipped with LiDAR, or light detection and ranging equipment.

    When nature reclaims what’s left of once thriving civilizations, scientists are increasingly turning to remote sensing to peer through dense vegetation.

    The images revealed two large settlements dotted with watchtowers, fortresses, complex buildings, plazas and pathways that tens of thousands of people may have called home.

    2024年10月29日
  • Donaldwah

    Europe’s secret season for travel starts now
    <a href=https://kr13at.cc>kraken onion</a>

    Summer might be the most popular season for tourism to Europe, but it hardly promises a calm, cool and collected experience.

    Who can forget this summer’s protests against overtourism in Barcelona and Mallorca, the wildfires that raged across Greece during the country’s hottest June and July on record and selfie stoplights to help control crowds on the clogged streets of Rome and Florence?

    For travelers looking to avoid all that — as well as break less of a sweat literally and financially — welcome to Europe’s secret season.
    https://kr13at.cc
    кракен вход
    From roughly mid-October to mid-December, shoulder season for travel to Europe comes with fewer crowds, far more comfortable temperatures in places that skew scorching hot during the summer months and plunging prices on airfare and accommodation.

    Plunging prices
    “The cheapest time to fly to Europe is typically from about the middle point of October to the middle point of December,” said Hayley Berg, lead economist at travel platform Hopper. “Airfare prices during those eight or nine weeks or so will typically be about an average of 40% lower than prices in the peak of summer in June.”

    Hopper’s data shows that airfare to Europe from the United States during the period between October 20 and December 8 is averaging between $560 and $630 per ticket — down 9% from this time last year and 5% compared to the same timeframe in 2019.

    2024年10月29日
  • Michaelpunty

    Groundbreaking telescope reveals first piece of new cosmic map
    <a href=https://kr13at.cc>kra14.at</a>
    Greetings, earthlings! I’m Jackie Wattles, and I’m thrilled to be a new name bringing awe to your inbox.

    I’ve covered space exploration for nearly a decade at CNN, and there has never been a more exciting time to follow space and science discoveries. As researchers push forward to explore and understand the cosmos, advancements in technology are sparking rapid developments in rocketry, astronomical observatories and a multitude of scientific instruments.
    https://kr13at.cc
    кракен
    Look no further than the missions racing to unlock dark matter and the mysterious force known as dark energy, both so named precisely because science has yet to explain these phenomena.

    Astronomers have never detected dark matter, but they believe it makes up about 85% of the total matter in the universe. Meanwhile, the existence of dark energy helps researchers explain why the universe is expanding — and why that expansion is speeding up.
    Extraordinary new scientific instruments are churning out trailblazing data, ready to reshape how scientists view the cosmos.

    A prime example is the European Space Agency’s wide-angle Euclid telescope that launched in 2023 to investigate the riddles of dark energy and dark matter.

    Euclid this week delivered the first piece of a cosmic map — containing about 100 million stars and galaxies — that will take six years to create.

    These stunning 3D observations may help scientists see how dark matter warps light and curves space across galaxies.

    Meanwhile, on a mountaintop in northern Chile, the US National Science Foundation and Stanford University researchers are preparing to power up the world’s largest digital camera inside the Vera C. Rubin Observatory.

    Unearthed
    In the mountains of Uzbekistan, a research team used lasers strapped to a flying robot to uncover two cities buried and lost for centuries.

    The anthropologists said they had mapped these forgotten medieval towns for the first time — located at a key crossroad of ancient silk trade routes — using a drone equipped with LiDAR, or light detection and ranging equipment.

    When nature reclaims what’s left of once thriving civilizations, scientists are increasingly turning to remote sensing to peer through dense vegetation.

    The images revealed two large settlements dotted with watchtowers, fortresses, complex buildings, plazas and pathways that tens of thousands of people may have called home.

    2024年10月29日
  • Vincentirrax

    Europe’s secret season for travel starts now
    <a href=https://kr13at.cc>kraken3yvbvzmhytnrnuhsy772i6dfobofu652e27f5hx6y5cpj7rgyd onion</a>

    Summer might be the most popular season for tourism to Europe, but it hardly promises a calm, cool and collected experience.

    Who can forget this summer’s protests against overtourism in Barcelona and Mallorca, the wildfires that raged across Greece during the country’s hottest June and July on record and selfie stoplights to help control crowds on the clogged streets of Rome and Florence?

    For travelers looking to avoid all that — as well as break less of a sweat literally and financially — welcome to Europe’s secret season.
    https://kr13at.cc
    kra15.cc
    From roughly mid-October to mid-December, shoulder season for travel to Europe comes with fewer crowds, far more comfortable temperatures in places that skew scorching hot during the summer months and plunging prices on airfare and accommodation.

    Plunging prices
    “The cheapest time to fly to Europe is typically from about the middle point of October to the middle point of December,” said Hayley Berg, lead economist at travel platform Hopper. “Airfare prices during those eight or nine weeks or so will typically be about an average of 40% lower than prices in the peak of summer in June.”

    Hopper’s data shows that airfare to Europe from the United States during the period between October 20 and December 8 is averaging between $560 and $630 per ticket — down 9% from this time last year and 5% compared to the same timeframe in 2019.

    2024年10月29日
  • Isrealnap

    Groundbreaking telescope reveals first piece of new cosmic map
    <a href=https://kr13at.cc>kraken войти</a>
    Greetings, earthlings! I’m Jackie Wattles, and I’m thrilled to be a new name bringing awe to your inbox.

    I’ve covered space exploration for nearly a decade at CNN, and there has never been a more exciting time to follow space and science discoveries. As researchers push forward to explore and understand the cosmos, advancements in technology are sparking rapid developments in rocketry, astronomical observatories and a multitude of scientific instruments.
    https://kr13at.cc
    kraken darknet
    Look no further than the missions racing to unlock dark matter and the mysterious force known as dark energy, both so named precisely because science has yet to explain these phenomena.

    Astronomers have never detected dark matter, but they believe it makes up about 85% of the total matter in the universe. Meanwhile, the existence of dark energy helps researchers explain why the universe is expanding — and why that expansion is speeding up.
    Extraordinary new scientific instruments are churning out trailblazing data, ready to reshape how scientists view the cosmos.

    A prime example is the European Space Agency’s wide-angle Euclid telescope that launched in 2023 to investigate the riddles of dark energy and dark matter.

    Euclid this week delivered the first piece of a cosmic map — containing about 100 million stars and galaxies — that will take six years to create.

    These stunning 3D observations may help scientists see how dark matter warps light and curves space across galaxies.

    Meanwhile, on a mountaintop in northern Chile, the US National Science Foundation and Stanford University researchers are preparing to power up the world’s largest digital camera inside the Vera C. Rubin Observatory.

    Unearthed
    In the mountains of Uzbekistan, a research team used lasers strapped to a flying robot to uncover two cities buried and lost for centuries.

    The anthropologists said they had mapped these forgotten medieval towns for the first time — located at a key crossroad of ancient silk trade routes — using a drone equipped with LiDAR, or light detection and ranging equipment.

    When nature reclaims what’s left of once thriving civilizations, scientists are increasingly turning to remote sensing to peer through dense vegetation.

    The images revealed two large settlements dotted with watchtowers, fortresses, complex buildings, plazas and pathways that tens of thousands of people may have called home.

    2024年10月29日
  • AdrianGox

    "Дело "Лайф-из-Гуд" — "Гермес" — "Бест Вей": свидетель обвинения объявила себя потерпевшей от следствия
    <a href=https://reporterrussia.net/krugovorot-moshennichestva-v-dele-lajf-iz-gud-germes-best-vej-privel-k-krahu/>Прокуратура Санкт-Петербург</a>
    6 и 13 июня Приморский районный суд города Санкт-Петербурга, рассматривающий по существу уголовное дело № 1-504/24, связываемое с компаниями "Лайф-из-Гуд", "Гермес" и кооперативом "Бест Вей", провел очередные, шестое и седьмое по счету, заседания, посвященные допросу свидетелей обвинения и лиц, признанных следствием потерпевшими в рамках судебного следствия по делу
    На заседаниях были заслушаны показания граждан, как признанных потерпевшими, так и свидетелей обвинения. Показания приводятся по аудиозаписи, имеющейся в распоряжении редакции, и стенограмме, которую вела сторона защиты.

    Справка

    Предварительное расследование уголовного дела осуществлялось ГСУ ГУ МВД России по Санкт-Петербургу и Ленинградской области. На скамье подсудимых — десять граждан: Анна Высоцкая (за полгода до ареста уволилась из "Лайф-из-Гуд", до августа 2021 года работала ивент-менеджером "Лайф-из-Гуд", в СИЗО более двух лет), Александра Григорьева (директор одного из "технических" юрлиц "Лайф-из-Гуд", в СИЗО более двух лет), Михаил Измайлов (предприниматель, в СИЗО более двух лет), Елена Соловьева (главный бухгалтер ООО "Эксперт", в СИЗО более двух лет), Альмира Гильберт (неработающая, в СИЗО с 2023 года), Дмитрий Мазанов (предприниматель, в СИЗО с 2023 года), Анатолий Наливан (предприниматель и региональный уполномоченный кооператива, в СИЗО с 2023 года), Денис Шишко (предприниматель, в СИЗО с 2023 года), Дмитрий Выдрин (неработающий, под домашним арестом) и 83-летний отец Романа Василенко, основателя компании "Лайф-из-Гуд" и кооператива "Бест Вей", Виктор Василенко (пенсионер, под запретом определенных действий). Начиная рассмотрение по существу, Приморский районный суд продлил всем подсудимым меры пресечения на полгода, что оспаривается адвокатами в вышестоящих судах.

    Всем подсудимым предъявлены обвинения как в мошенничестве (ч. 4 ст. 159 УК РФ) и создании финансовой пирамиды (ч. 2 ст. 172.2 УК РФ), так и в организации преступного сообщества (ч. 3 ст. 210 УК РФ). Их, а также гражданских ответчиков — прежде всего кооператив "Бест Вей" — защищают почти два десятка адвокатов.

    В уголовном деле 221 лицо, признанное следствием потерпевшим, предъявляющее претензии как к компании "Гермес", так и к кооперативу "Бест Вей" (для сравнения: у компании "Гермес" не одна сотня тысяч клиентов в России, у кооператива "Бест Вей" — около 20 тыс. пайщиков). Общая сумма ущерба в уголовном деле — 282 млн рублей, при этом на счетах кооператива арестовано около 4 млрд рублей, примерно столько же арестовано на счетах частных лиц.

    "К кооперативу претензий не было, следователь предложил подать заявление"
    Признанный следствием потерпевший Болян подсудимых не знает. Был клиентом "Гермеса", а также пайщиком кооператива — но до 2019 года. В 2019-м он вышел из кооператива и из "Гермеса", ему были возвращены паевые взносы, и никаких претензий к кооперативу у него не было — что он письменно подтвердил, расторгая договоры с этими организациями.

    Однако, как Болян отметил на суде, следователь убедил его в том, что он — потерпевший и должен подать заявление на возврат членских взносов. Заявление в МВД писать не хотел, на него вышли сотрудники, сначала претензий к кооперативу не было. Полиция ему объяснила, что можно получить деньги.

    Стал клиентом "Гермеса" и пайщиком кооператива через своего консультанта Алексея Виноградова. Виноградов — грамотный маркетолог, он ему верил, тот не работал в кооперативе. Что было предметом договора в "Гермесе", не помнит. В "Гермес" внес 100 и 700 евро, а в кооператив каждый месяц вносил по 12 тыс. в течение семи месяцев.

    Вышел и из кооператива, и из "Гермеса" в 2019 году. Зачем вступал? "Наверное, квартиру купить хотел". Кооператив вернул ему 70 тыс. паевых взносов, "Гермес" вернул со счета "Виста" 140 тыс. рублей.

    В кооперативе деньги вернули почти сразу, удержав вступительный и членские взносы; в "Гермесе" вернули позже через "внутрянку", но удержали комиссию.

    Утверждает, что ему говорили, что можно со счета "Виста" вносить деньги в кооператив. Объясняли, что деньги передаются в доверительное управление трейдерам и брокерам, которые играют на бирже. В кооперативе, как он утверждает, можно было купить место в очереди. По его словам, "Гермес" и кооператив — по сути, одна организация. Требует взыскать с кооператива более 148 тыс. рублей — вступительный и членские взносы, и более 60 тыс. рублей с "Гермеса" — комиссию при выводе средств.

    Договор с кооперативом не читал, но ему объяснили, что есть невозвратная часть денег — ее и не вернули, "но хочу попытаться вернуть". Претензий к кооперативу "как бы и нет, но если вернут взносы, то будет хорошо".

    К Виноградову претензий не предъявлял. "Может, меня и не обманули в кооперативе", -резюмировал свое выступление в суде Болян.

    "Болян — яркий пример "возгонки потерпевших", которой занималось следствие для того, чтобы нарисовать максимально большую цифру потерпевших от деятельности "Гермеса", — подчеркивают адвокаты. — Реального ущерба просто нет, да люди, по сути, и не считают себя потерпевшими. 221 лицо, признанное потерпевшим на фоне количества клиентов "Гермеса" и числа пайщиков кооператива "Бест Вей", не впечатляет. И, как мы видим, значительная часть из этого числа — ненастоящие потерпевшие, а некие лица, пытающиеся получить небольшие суммы, на которые у них нет никаких прав".

    "Требую выплатить с учетом роста цен на недвижимость"
    Признанная следствием потерпевшей Комова была как клиентом "Гермеса", так и пайщиком кооператива. Подсудимых не знает. Требует более 8800 тыс. с кооператива и более 2700 тыс. с "Гермеса". При этом из кооператива она не вышла и заявление о выходе не подавала. Сумма требований к кооперативу включает как паевые и членские взносы, так и оценку роста цен на недвижимость, которая не была приобретена.

    Утверждает, что можно переводить деньги со счета "Виста" напрямую в кооператив — в подтверждение приводит скрины переписки с консультантами в смартфоне. Суд разъясняет, что доказательство может быть приобщено позднее при надлежащем оформлении.

    2024年10月30日
  • BrianSyday

    "Дело "Лайф-из-Гуд" — "Гермес" — "Бест Вей": свидетель обвинения объявила себя потерпевшей от следствия
    <a href=https://theperson.pro/roman-viktorovich-vasilenko-biografija-biznesmena>Колокольцев Бест Вей</a>
    6 и 13 июня Приморский районный суд города Санкт-Петербурга, рассматривающий по существу уголовное дело № 1-504/24, связываемое с компаниями "Лайф-из-Гуд", "Гермес" и кооперативом "Бест Вей", провел очередные, шестое и седьмое по счету, заседания, посвященные допросу свидетелей обвинения и лиц, признанных следствием потерпевшими в рамках судебного следствия по делу
    На заседаниях были заслушаны показания граждан, как признанных потерпевшими, так и свидетелей обвинения. Показания приводятся по аудиозаписи, имеющейся в распоряжении редакции, и стенограмме, которую вела сторона защиты.

    Справка

    Предварительное расследование уголовного дела осуществлялось ГСУ ГУ МВД России по Санкт-Петербургу и Ленинградской области. На скамье подсудимых — десять граждан: Анна Высоцкая (за полгода до ареста уволилась из "Лайф-из-Гуд", до августа 2021 года работала ивент-менеджером "Лайф-из-Гуд", в СИЗО более двух лет), Александра Григорьева (директор одного из "технических" юрлиц "Лайф-из-Гуд", в СИЗО более двух лет), Михаил Измайлов (предприниматель, в СИЗО более двух лет), Елена Соловьева (главный бухгалтер ООО "Эксперт", в СИЗО более двух лет), Альмира Гильберт (неработающая, в СИЗО с 2023 года), Дмитрий Мазанов (предприниматель, в СИЗО с 2023 года), Анатолий Наливан (предприниматель и региональный уполномоченный кооператива, в СИЗО с 2023 года), Денис Шишко (предприниматель, в СИЗО с 2023 года), Дмитрий Выдрин (неработающий, под домашним арестом) и 83-летний отец Романа Василенко, основателя компании "Лайф-из-Гуд" и кооператива "Бест Вей", Виктор Василенко (пенсионер, под запретом определенных действий). Начиная рассмотрение по существу, Приморский районный суд продлил всем подсудимым меры пресечения на полгода, что оспаривается адвокатами в вышестоящих судах.

    Всем подсудимым предъявлены обвинения как в мошенничестве (ч. 4 ст. 159 УК РФ) и создании финансовой пирамиды (ч. 2 ст. 172.2 УК РФ), так и в организации преступного сообщества (ч. 3 ст. 210 УК РФ). Их, а также гражданских ответчиков — прежде всего кооператив "Бест Вей" — защищают почти два десятка адвокатов.

    В уголовном деле 221 лицо, признанное следствием потерпевшим, предъявляющее претензии как к компании "Гермес", так и к кооперативу "Бест Вей" (для сравнения: у компании "Гермес" не одна сотня тысяч клиентов в России, у кооператива "Бест Вей" — около 20 тыс. пайщиков). Общая сумма ущерба в уголовном деле — 282 млн рублей, при этом на счетах кооператива арестовано около 4 млрд рублей, примерно столько же арестовано на счетах частных лиц.

    "К кооперативу претензий не было, следователь предложил подать заявление"
    Признанный следствием потерпевший Болян подсудимых не знает. Был клиентом "Гермеса", а также пайщиком кооператива — но до 2019 года. В 2019-м он вышел из кооператива и из "Гермеса", ему были возвращены паевые взносы, и никаких претензий к кооперативу у него не было — что он письменно подтвердил, расторгая договоры с этими организациями.

    Однако, как Болян отметил на суде, следователь убедил его в том, что он — потерпевший и должен подать заявление на возврат членских взносов. Заявление в МВД писать не хотел, на него вышли сотрудники, сначала претензий к кооперативу не было. Полиция ему объяснила, что можно получить деньги.

    Стал клиентом "Гермеса" и пайщиком кооператива через своего консультанта Алексея Виноградова. Виноградов — грамотный маркетолог, он ему верил, тот не работал в кооперативе. Что было предметом договора в "Гермесе", не помнит. В "Гермес" внес 100 и 700 евро, а в кооператив каждый месяц вносил по 12 тыс. в течение семи месяцев.

    Вышел и из кооператива, и из "Гермеса" в 2019 году. Зачем вступал? "Наверное, квартиру купить хотел". Кооператив вернул ему 70 тыс. паевых взносов, "Гермес" вернул со счета "Виста" 140 тыс. рублей.

    В кооперативе деньги вернули почти сразу, удержав вступительный и членские взносы; в "Гермесе" вернули позже через "внутрянку", но удержали комиссию.

    Утверждает, что ему говорили, что можно со счета "Виста" вносить деньги в кооператив. Объясняли, что деньги передаются в доверительное управление трейдерам и брокерам, которые играют на бирже. В кооперативе, как он утверждает, можно было купить место в очереди. По его словам, "Гермес" и кооператив — по сути, одна организация. Требует взыскать с кооператива более 148 тыс. рублей — вступительный и членские взносы, и более 60 тыс. рублей с "Гермеса" — комиссию при выводе средств.

    Договор с кооперативом не читал, но ему объяснили, что есть невозвратная часть денег — ее и не вернули, "но хочу попытаться вернуть". Претензий к кооперативу "как бы и нет, но если вернут взносы, то будет хорошо".

    К Виноградову претензий не предъявлял. "Может, меня и не обманули в кооперативе", -резюмировал свое выступление в суде Болян.

    "Болян — яркий пример "возгонки потерпевших", которой занималось следствие для того, чтобы нарисовать максимально большую цифру потерпевших от деятельности "Гермеса", — подчеркивают адвокаты. — Реального ущерба просто нет, да люди, по сути, и не считают себя потерпевшими. 221 лицо, признанное потерпевшим на фоне количества клиентов "Гермеса" и числа пайщиков кооператива "Бест Вей", не впечатляет. И, как мы видим, значительная часть из этого числа — ненастоящие потерпевшие, а некие лица, пытающиеся получить небольшие суммы, на которые у них нет никаких прав".

    "Требую выплатить с учетом роста цен на недвижимость"
    Признанная следствием потерпевшей Комова была как клиентом "Гермеса", так и пайщиком кооператива. Подсудимых не знает. Требует более 8800 тыс. с кооператива и более 2700 тыс. с "Гермеса". При этом из кооператива она не вышла и заявление о выходе не подавала. Сумма требований к кооперативу включает как паевые и членские взносы, так и оценку роста цен на недвижимость, которая не была приобретена.

    Утверждает, что можно переводить деньги со счета "Виста" напрямую в кооператив — в подтверждение приводит скрины переписки с консультантами в смартфоне. Суд разъясняет, что доказательство может быть приобщено позднее при надлежащем оформлении.

    2024年10月30日
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    2024年10月30日