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双语热点:小心虚拟货币投资的游戏化趋势******

如今,对数字地位的追求和金融成功被混为一谈,助长了经济泡沫。狗狗币、NFT还有Axis Infinity的爆火则向我们展示了货币游戏化的趋势。那么,当乐趣耗尽时又会发生什么?

The danger of the internet turning money into a game

“A friend of mine came up with a variant on [Occam’s razor, which is] that the most ironic outcome is the most likely one,” Elon Musk told fellow billionaire Jack Dorsey and Ark Invest CEO Cathie Wood during a virtual Bitcoin conference in July. Musk, who had been delivering a relatively sober perspective on blockchain technologies, seemed delighted that the conversation had turned to Dogecoin, the satirical cryptocurrency devoted to memes and dogs.

在今年七月的一次虚拟比特币会议上,马斯克对亿万富翁多尔西和Ark Invest首席执行官凯西·伍德说:“我的一个朋友发明了一种奥卡姆剃须刀,说明最讽刺的结果也许就是最成功的结果。”马斯克一直对区块链技术持相对冷静的观点,他似乎很高兴话题转向了狗狗币(Dogecoin),一种专注于表情包和狗的讽刺图像的加密货币。

“And then I have a variant on that, which is the most entertaining outcome is the most likely one,” he continued. “If that is true, then the most ironic and entertaining outcome would be that the cryptocurrency [Dogecoin] that was started as a joke to make fun of cryptocurrencies ends up being the lead cryptocurrency.” Musk laughed.

他继续说道:“这句话还有个变形,那就是最有趣的结果也许就是最成功的结果。如果这是真的,那么最具讽刺和娱乐性的结果将是,加密货币狗狗币(Dogecoin)最初只是用来取笑加密货币的一个笑话,最终却成为全球领先的加密货币。”马斯克笑了。

Within minutes, Musk’s to-the-moon energy had spread to Telegram, TikTok, and Reddit. Inspired by Musk’s remarks, rapper Busta Rhymes announced to his 3.8 million Twitter followers that he was now “sold on Bitcoin.” In no time, the cool kids in Discord’s trading forums were labeling Doge a “pleb coin,” implying that regular people were flooding into it and fueling speculation (as of mid-August, it’s up 9,222% year over year).

几分钟之内,马斯克的探月激情就传播到了Telegram、TikTok和Reddit上。受到马斯克言论的启发,说唱歌手巴斯塔·莱姆斯(Busta Rhymes)向他380万推特粉丝宣布,他现在“接受比特币了”。不一会儿,Discord交易论坛上的孩子们就把狗狗币贴上了“平民币”的标签,这意味着普通人的涌入,并助长了投机(截至八月中旬,狗狗币同比上涨了9222%)。

The year 2021 will be remembered as the moment when financial culture and internet culture converged, leading to investment bubbles in everything from meme stocks to tokenized collectibles. But cryptocurrency trading, a largely unregulated casino, arguably represents the purest synthesis yet of personal finance and online social status. On TikTok, for example, one of the more popular formats involves a bro offering investment tips, talking-head style, while displaying the value of his crypto portfolio behind him; a billion or trillion of anything, apparently, is good for both the ego and the algorithm. And everyone wants in. In the past 12 months, upwards of 5,000 new crypto coins have launched. By August, SEC chair Gary Gensler was sounding the regulatory alarm and asking Congress to step in.

2021年将被铭记为金融文化和互联网文化融合的一年,导致了从表情包股票到代币化收藏品的一切投资泡沫。但加密货币交易是一个基本上不受监管的赌场,可以说是迄今为止个人财务和线上社会地位最纯粹的综合。例如,在TikTok上,比较流行的一种视频模式是,用一位兄弟的特写镜头提供投资建议,同时在他身后展示加密投资组合的价值;显然,数十亿或数万亿的任何东西都对自尊和算法都有好处,每个人都跃跃欲试。在过去12个月里,有超过5000种新的加密货币推出。到今年8月,证交会主席加里•詹斯勒敲响了监管警钟,并要求国会介入。

While lawmakers weigh their options, the desire for instant wealth—and the attendant boost in social currency for anyone who got in early and gets out before the inevitable “rug pull”—is overwhelming any warning cries. The vast majority of the amateur investors buying up Dogecoin will lose money, but they’ve gained a chance to burnish their credentials as card-carrying members of an internet tribe led by Musk, who can afford to treat it all like a joke. (Dorsey, a Bitcoin whale, has his own fan base.) “This is much more about a kind of identity formation than it is [about] anything to do with economic forces or motivations,” says Bill Maurer, director of the Institute for Money, Technology, and Financial Inclusion.

当立法者权衡他们的选择时,对即时财富的渴望以及随之而来的社交货币的提升压倒了任何警告的呼声。绝大多数购买狗狗币的业余投资者都会赔钱,但他们也因此有机会给自己的身份贴金,成为马斯克领导的互联网部落的持卡人,而马斯克则可以把这一切都当作一场笑话。(比特币鲸鱼多尔西也有自己的粉丝群)“这更多的是一种身份构建,而不是与经济力量或动机有关的任何事情,”货币、技术和金融普惠研究所(Institute for Money, Technology, and Financial Inclusion)主任比尔•毛雷尔(Bill Maurer)表示。

This pursuit of likes via penny stock altcoins may sound trivial. But it’s a symptom of broader malaise. Upward economic mobility has been declining in the U.S. since 1980, meaning that millennials and subsequent generations have no memory of good times. Warned that they will get wiped out, younger crypto investors respond with a shrug. There’s nothing to lose and everything to gain.

这种通过代币来追求“赞”的行为听起来可能微不足道,但其实这是一种很普遍的症状。自1980年以来,美国向上的经济流动性一直在下降,这意味着千禧一代和他们的后代没有什么好日子可过。当被警告自己将被淘汰时,年轻的加密货币投资者却表示对此不屑一顾。他们已经没有什么可以失去了,所以愿意背水一战。

All the while, more and more economic activity is concentrating in attention-economy platforms that Silicon Valley controls. What could possibly go wrong?

与此同时,越来越多的经济活动集中在由硅谷控制的注意力经济平台上,这会导致哪些问题呢?

Money and status have always been linked, but the gamification of our financial lives didn’t begin in earnest until the 1980s, when Discover Financial, then owned by Sears, introduced a cash-back program tied to its credit card. Soon after, banks and airlines started to team up to tie personal spending to earning miles, which could be redeemed for perks like airport lounge access, encouraging consumers to optimize themselves and their wallets. The more you spend, the higher-class you become! Household debt be damned.

金钱和地位一直是联系在一起的,但直到20世纪80年代,我们的财务生活才真正开始游戏化,当时西尔斯(Sears)旗下的Discover financial推出了一项与信用卡绑定的现金返还计划。不久之后,银行和航空公司开始联合起来,将个人消费与里程数挂钩,里程数可以兑换机场休息室等福利,鼓励消费者优化自己和钱包。你花得越多,你的地位就越高!管他什么家庭债务呢?

After the 2008 financial crisis, fintech startups, Bitcoin, and gamification ploys all blossomed in libertarian-leaning Silicon Valley, nudging people to see themselves as owners who could transform the system that burned them. The stock-trading app Robinhood, which doles out free shares to new users and lowers the barrier for trading crypto and risky options, represents all these trends in one.

2008年金融危机之后,金融科技初创企业、比特币和游戏化策略在倾向自由意志主义的硅谷蓬勃发展,使人们有种能够改变这个吞噬他们的系统的所有者的错觉。股票交易应用Robinhood向新用户免费发放股票,并降低加密货币和高风险期权交易的门槛,集所有这些趋势于一体。

With Robinhood, at least, most users are gambling (er, investing) with their fun money—$20 here, $50 there—in order to create fodder for group texts and snaps. When it comes to maximizing social influence and wealth, the stakes are far higher for professional digital content creators, a group that now numbers more than 2 million. They are playing what tech analyst Packy McCormick, author of email newsletter Not Boring, calls “the great online game,” in which social media is where you make your moves and crypto is how you keep score. Altcoin cryptocurrencies, in particular, offer creators a shot at the kind of equity-based wealth that social platforms have denied them.

至少在《罗宾汉》中,大多数人都在用他们的专门拿来娱乐的钱赌博(或者说是投资)——这里放20美元、那里放50美元——来为群聊和朋友圈创造素材。在社会影响力最大化和财富方面,专业数字内容创作者的风险要高得多,这个群体现在已经超过200万人。他们正在玩的正是Not Boring的作者、科技分析师佩基·麦考密克(Packy McCormick)所说的“伟大的在线游戏”,在这个游戏中,社交媒体是你施展拳脚的平台而加密货币就是你的计分方式。特别是加密货币为创造者提供了社交平台一直拒绝为他们提供的平等获得股权财富的机会。

“They don’t want the constant churn of creating content to be their only revenue stream,” Josh Constine, principal investor for the venture firm SignalFire, says of these vloggers, podcasters, and streamers. The most successful of these folks, he says, will build “a sort of creator pension out of equity stakes” in startups and altcoins aligned with their audiences.

风险投资公司SignalFire的主要投资者乔希•康斯丁在谈到这些视频博主、播客和流媒体用户时表示:“这些人不希望创造内容成为他们唯一的收入来源。”在这些人中,最成功的人将在初创公司和与他们的受众结盟的替代币中建立“一种基于股权的创造者养老金”。

Some tech-world philosophers believe that the great online game will soon be something that everyone plays. For a taste of this future, witness the sudden rise of Axie Infinity, a Pokémon-style game that compensates winners with its own Smooth Love Potion cryptocurrency and is attracting players by the millions. In countries like the Philippines, playing Axie is more lucrative than many traditional jobs—at least for now. “Some people who were previously making $5 per day now make $20 [playing Axie],” McCormick wrote breathlessly in a recent newsletter. Axie’s founders, meanwhile, are on track to make $1.1 billion by the end of the year.

一些科技世界的哲学家相信,这个伟大的网络游戏很快就会吸引所有人。想要体验一下这种未来的感觉的话,可以去看看Axis Infinity的爆火。这是一个类似Pokémon游戏,赢家的奖励则是他们的加密货币“平滑爱情药剂”(Smooth Love Potion)。这个游戏现在已经吸引了数百万玩家。在菲律宾这样的国家,玩这个游戏甚至比许多传统的工作更赚钱——至少目前是这样。McCormick在最近的一份通讯中写道:“一些以前每天赚5美元的人现在通过玩Axis Infinity可以赚20美元。与此同时,Axis Infinity的创始人有望在今年年底前赚到11亿美元。

“The sort of utopian song that goes into [these projects] is about, how do we share the fruits of our commercial activities in a way that rewards users, [but it’s] driven by a self-interest to get users to adopt stuff faster,” says Lex Sokolin, head economist for the blockchain company ConsenSys. “But it’s sitting on top of this hypercapitalist infrastructure. And the infrastructure is owned by billionaires.”

“这些项目有一个乌托邦构想,那就是该如何用回报的方式分享我们的商业成果,但与此同时是由用户们又被利益驱动着更快接受新事物的。”区块链公司ConsenSys头部经济学家Lex Sokolin说,“但它是建立在超级资本主义的基础设施之上的,而这些基础设施则由亿万富翁所有。”

Crypto’s boom can be credited, in part, to social media softening its edges. Savvy developers have learned to mint coins that are likable, shareable, sometimes laughable. Clever promoters like Musk continue to be the biggest winners. Tactical middlemen benefit by collecting exorbitant fees for trading, voting on protocol governance, and other forms of community participation. And the plebs?

加密货币的繁荣在一定程度上要归功于社交媒体模糊了许多边界。精明的开发者已经学会了制造可爱、可分享、甚至可笑的货币,像马斯克这样聪明的推销商仍然是最大的赢家。战术中间商可以通过为交易、协议治理投票和其他形式的参与来收取高昂的费用,而平民呢?

What’s happening in money culture right now looks something like this: The masses, frustrated by rigid societal inequality and a lack of economic opportunity, are playing whatever new lottery comes along. They invest their social media selves in lottery communities, and they put their savings in scratch tickets. The price to play is expensive, the rules are designed for them to lose—and they do. According to research firm Chain alysis, investors lost roughly $2.7 billion to investment scams in 2020. All signs point toward even more instances of fraud in 2021. Do your own research, crypto veterans admonish.

现在的金钱文化看起来是这样的:大众对僵化的社会不平等和机会的匮乏感到沮丧,所以愿意玩各种新的形式的彩票。他们将自己的社交媒体投资于彩票社区,并将积蓄用于购买刮刮乐。游戏的代价是昂贵的,因为规则就是为他们量身定制的——而他们确实输了。根据研究公司Chain analysis的数据,投资者在2020年因投资诈骗损失了约27亿美元。所有迹象都表明,2021年将出现更多诈骗事件。专家们告诫道,一定要做好研究。

“The price of this token can never go down . . . it’s really cool,” the creator of a coin called Surge said in a YouTube interview in August. Thousands of viewers reveled in the hype. “I just bought 367 million [Surge coins] for just 5 bucks!” one wrote in the comments. “This is lightning in a bottle!!!”

“这种代币的价格永远不会下跌……今年8月,一种名为Surge的硬币的发明者在接受YouTube采访时表示,成千上万的观众正陶醉在炒作中。“我刚刚花了5美元买了3.67亿个Surge金币!“一位网友在评论中写道,“这简直是一夜暴富!”

We’re almost surely in a bubble. Or rather, we’re in the midst of an ever-rotating cast of mini-bubbles. None may be big enough on its own to create a financial panic. But together, they reveal the deep and increasingly dangerous flaws in our traditional institutions. It would be relatively easy for regulators to devote more resources to policing cryptocurrency. Harder, but far more important, will be rebuilding trust by making economic growth—and the financial establishment that serves as its gatekeeper—accessible to all.

我们肯定处于泡沫之中。或者更确切地说,我们正处于一组不断旋转的微型气泡之中。没有单独一家公司的规模大到足以引发金融恐慌,但当它们合在一起时便揭示了我们传统制度中深刻而日益危险的缺陷。对监管机构来说,投入更多的资源来监管加密货币并不难,难的是如何让所有人和金融机构都能赚钱,并以此来重建信任。

陕西农村居民养老情况调研报告发布:我省老龄化程度超全国平均水平******

2月25日,陕西省统计局发布了陕西农村居民养老情况调研报告,涵盖在养老机构生活的老人基本情况、入住原因、养老机构设施、老人生活现状,以及存在的问题等。

陕西老龄化程度超过全国平均水平

七人普数据显示,我省60岁及以上人口为759.12万人,占陕西总人口的19.2%,比全国(18.7%)高0.5个百分点。其中65岁以上人口为526.66万人,占13.3%,比全国(13.5%)低0.2个百分点。

与六人普相比,我省两个年龄段的人口占比分别提高了6.35和4.79个百分点,比全国提高了0.91和0.16个百分点。

单身老人多 多数没有财产储备

为全面了解我省农村老龄化发展情况,摸清农村居民养老现状,省统计局开展了农村居民养老基本情况调研走访工作,调研覆盖了全省102个农村县(市、区),166所养老机构(包含养老院和敬老院)、939名老人。

在养老机构生活的老人,基本情况如何?报告显示,性别比例失衡,年龄分布基本均衡。参与调研的男性老人有648名,女性仅有291名。年龄分布方面,60-69岁和80-89岁各有250人,70-79岁有301人,这三个年龄段合计占比85.3%,是养老机构中的主要年龄分布人群。

同时,文化程度普遍偏低,健康状况良好;单身老人居多,无子女情况居多;收入水平较低,来源单一;日常开支主要用于养老,多数没有财产储备。日常开支最主要用于缴纳养老院费用的老人最多,有398名,占比43.4%;用于文化娱乐和养老理财的人数最少,分别仅有8人和6人。调研还发现,大部分老人没有属于自己的财产,少数的财产也都是现金存放和子女代管。

无人照顾是入住养老机构主要原因

从选择入住养老机构的原因来看,最主要的原因是没有家人照顾(含孤寡),共有626人,占比66.7%;其次是认为养老机构清静自由,自己愿意来住,有214人;此外还有因为身体原因,想减轻子女负担的老人共有202人。

电话沟通和上门探望是看望老人主要方式

报告显示,养老机构医疗基础设备基本齐全,公共基础设施相对完善,棋牌活动是主流,健康讲座频率高。

养老机构平均费用较低。每月花费千元以内的有533名老人,占56.8%;1000-2000元的有225人,2000-3000元的有136人,3000元以上仅有44人。通过调研老人与子女间的联系途径,电话联系、子女亲自看望是主要方式,分别有387人和298人,分别占41.2%和31.7%。

九成老人认为机构养老更适合自己。改善软硬件设施,提升住宿餐饮水平期待最多。对养老机构未来发展的期望或建议中,有一半左右的老人期待改善软硬件设施,特别是提升住宿餐饮水平。

农村养老专业服务人才匮乏

对于调研中发现的问题,一是农村养老机构类型单一,民营机构亟待发展。二是公办敬老院的建设标准低,运营状况艰难。三是农村养老专业服务人才队伍匮乏。四是医养结合能力较弱,数字化信息化服务水平很低。

鼓励支持社会力量参与农村养老服务

报告建议,坚持政府兜底与社会参与的发展形式。在有条件的地区,以政府资金为激励和引导,鼓励社会资本有序进入养老服务体系,满足农村居民多样化的养老需求。大力培育专业人才和志愿者队伍。坚持智慧养老的发展模式,坚持医养结合的发展方向,广泛动员社会参与。注重发挥工会、共青团、妇联、残联等群团组织和老年人相关社会组织、机关企事业单位的作用,鼓励支持社会力量参与到农村养老服务中来。



来源:三秦都市报

编辑:杨蓓蕾

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Countdown to Beijing 2022******

BEIJING, Oct. 22 (Xinhua) -- Dozens of villagers from Yanqing District, about 74 km away from downtown Beijing, gathered at a local indoor skiing resort for a three-hour daily practise - a routine that has been going on for more than five months.

They are members of the Haituo farmer ski team formed on July 11, 2017, and most of them were born in Zhangshanying Township, administered by Yanqing. Over the last four years, their commitment to popularizing winter sports has never wavered.

"There were only 18 members when we set up the team, but now the number has increased to nearly one hundred," said Lang Enge, a 32-year-old leader of the ski team. "It is my responsibility to lead this team to embark on a professional path in a long run."

Lang, though still young, has already become an "old captain" of the farmer ski team. "Our members used to be fruit farmers, second-hand car sellers and temporary workers, and I was a shepherd. It was the Winter Olympics that brought us together, so we should seize this opportunity," Lang said.

The name "Haituo" comes from the Haituo Mountain north of Zhangshanying Township in the Yanqing competition zone of Beijing 2022 Winter Olympic Games, which has changed the lives of local residents.

"We just played for fun on ice and snow before, but now we have undertaken professional ski training with just one goal - getting a national ski instructor and referee's certificate. The Winter Olympics will spur the development of winter sports, and we can lead the public to get more involved," Lang said.

Up to now, more than half the team members have obtained this certificate, and Lang also received his international ski instructor certificate. The team has voluntarily trained more than 12,000 people since 2017.

"From three years old to over fifty, our trainees come from all walks of life, and we endeavor to help them find joy on snow," Lang said.

In recent years, many schools in Yanqing have provided opportunities for students to experience winter sports five times a year - three on snow and two on ice. Lang and his team also introduce ski equipment and safety measures to students on campus. "We make them prepared for safe skiing," Lang added.

"Yanqing is one of the three competition zones of the Beijing 2022 Winter Olympics, and I hope to make my due contribution as a ski instructor born here. I will also try my best to lead more members of the Haituo farmer ski team to find employment on snow, enabling more people to enjoy winter sports, which is our mission and a great privilege," Lang said. Enditem

坚决杜绝德尔塔及奥密克戎肺炎疫情键入 重点地区来返西安工作人员将被赋码管理方法******

本报讯 (小编 李亮黎)1月2日至今,河南、上海、广东省深圳市陆续产生德尔塔株引发的当地疫情;1月8日天津又发生了奥密克戎突变株引发的当地疫情,目前为止,总计验出40例病毒感染者。以上地域疫情所汇报的病案活动轨迹涉及到医院门诊、药房、院校、餐饮店、市集及其城市公共交通等好几个群体聚集场地,小区散播和疫情外流风险性很高,为严格预防河南、上海、广东省深圳市、天津疫情与本市疫情累加,西安市疾控中心提示广大群众积极上报行程安排。尤其是14日内与中国汇报的诊断病案以及密切接触者有触碰史或是活动轨迹有相交的来(返)西安人员;有中国中风险地域所属县(区)旅居生活史来(返)西安人员;尤其是河南省郑州市,许昌市禹州市、周口市太康县、信阳市固始县、商丘市睢阳区、安阳市文峰区、滑县,上海浦东新区、上海奉贤、上海市宝山区,浙江绍兴、金华市及其天津产业生态圈、广东深圳市龙岗区的来(返)西安人员,第一时间积极向所属小区(村)、企业或所住宾馆上报,并相互配合做好信息备案、抗体检测及集中化防护14天等防控措施。

凡14日内从河南、上海、浙江、广东除以上地域外的别的来返西安人员,第一时间积极向所属小区(村)、企业或所住宾馆上报,到达西安后,开展一次Dna取样,并相互配合做好信息备案、抗体检测、健康监测14天等防控措施。各小区要马上进行排查工作中,尽量保证不漏一人,贯彻落实管控措施。

另据统计,1月10日,刑侦大队公布通知,将加强外地风险性地域来返西安人员管理方面,对违反者将严肃认真追责法律依据。市大数据局将对重点地区来(返)西安人员开展编码管理方法。被赋红码、黄码人员要积极加强本人信息上报,并维持24钟头电話通畅,在收到各县区疫情防治总指挥部的电話或短信通知后,应紧密配合进行相对应防疫工作规定。

请外地来(返)西安人员和广大群众密切关注官方发布的权威性信息,凡与中国诊断病案有运动轨迹交叉式人员,及其有重点地区旅居生活史人员,要严格遵守规定开展上报,听从疫情防治分组管理。

与此同时,提示广大群众最近不必要不出门,不必要出不来市。严格执行所属住宅小区、街道办的管控措施。是因为特殊情况必须出门的,务必提早向所属小区(村)汇报或所属单位汇报,中途做好安全防护。平时坚持不懈佩戴口罩、讲究卫生、常自然通风等优良的生活方式,留意维持1米以上的社交距离,积极相互配合温度测量、Dna筛选等疫防对策。如出現发烫、干咳嗽、困乏、鼻子堵、流鼻涕、咽喉痛、味觉味蕾减低、角膜炎、肌疼和拉肚子等病症,应立即按标准程序流程预约就诊,并属实告之14天活动轨迹及触碰史。就医全过程佩戴口罩,防止乘坐城市公共交通。


来源于:西安生活报。

编写:王莉文。

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