Finance & Financial Management Schools

financial management

Choosing the right finance and financial management school can be a challenging task for students aspiring to pursue a career in finance. In this article, we have compiled a list of the top 10 best finance and financial management schools for 2023. We have considered various factors such as academic reputation, faculty quality, research output, student reviews, and employability prospects to rank these schools.

Top 10 Best Finance and Financial Management Schools 2023

Here are the top 10 best finance and financial management school in 2023:

Harvard Business School

Harvard Business School is one of the most prestigious business schools in the world, offering an exceptional finance curriculum. The program focuses on financial theory, quantitative methods, and empirical research, providing students with a rigorous academic foundation. The school boasts renowned faculty members who are experts in finance and management, including Nobel laureates. 카지노사이트

Stanford Graduate School of Business

Stanford Graduate School of Business has gained renown for its innovative approach to finance education. Its program aims to equip students with the knowledge and skills required to succeed in the ever-changing financial landscape. The curriculum includes courses in investment management, corporate finance, and financial accounting.

University of Pennsylvania Wharton School

Wharton is a top global business school with rigorous academic programs in finance and management. The school offers a comprehensive finance curriculum that covers topics such as financial modeling, risk management, and valuation. The faculty includes renowned scholars in finance, economics, and management.

Massachusetts Institute of Technology Sloan School of Management

MIT Sloan School of Management offers a finance curriculum covering financial markets, corporate finance, and investment management. The program emphasizes quantitative methods and provides students with hands-on experience in financial modeling and data analysis. The faculty includes leading scholars in finance and economics.

Columbia Business School

Columbia Business School offers a top-ranked finance curriculum that covers topics such as asset pricing, corporate finance, and investment management. The program emphasizes practical applications of finance theory and provides students with hands-on experience in financial analysis and modeling. Also, the faculty includes renowned scholars in finance and economics.

New York University Stern School of Business

NYU Stern School of Business offers a comprehensive finance curriculum that covers topics such as financial modeling, risk management, and investment management. The program emphasizes practical applications of finance theory and provides students with hands-on experience in financial analysis and modeling. Also, the faculty includes leading scholars in finance and economics.

University of Chicago Booth School of Business

The University of Chicago Booth School of Business offers a top-ranked finance curriculum that covers topics such as asset pricing, corporate finance, and investment management. The program emphasizes rigorous quantitative methods and provides students with hands-on experience in financial analysis and modeling. Additionally, the faculty includes leading scholars in finance and economics.

London Business School

London Business School is a top-ranked business school in Europe, offering a comprehensive finance curriculum. The program covers topics such as financial markets, corporate finance, and investment management. Also, the faculty includes leading scholars in finance and economics, and the school has a strong alumni network in the finance industry. 바카라사이트


INSEAD is a top-ranked business school in Europe, offering a comprehensive finance curriculum. The program covers topics such as financial markets, corporate finance, and investment management. The faculty includes leading scholars in finance and economics, and the school has a strong alumni network in the finance industry.

University of Cambridge Judge Business School

Lastly, the University of Cambridge Judge Business School is one of the top business schools in the UK, offering a comprehensive finance curriculum. The program covers topics such as financial markets, corporate finance, and investment management. Also, the faculty includes leading scholars in finance and economics, and the school has a strong alumni network in the finance industry.


Choosing the right finance and financial management school can have a significant impact on a student’s career prospects in the finance industry. The schools on this list are among the best in the world, offering rigorous academic programs, renowned faculty members, and strong alumni networks in the finance industry. Additionally, students who attend these schools can expect to receive a top-notch education and gain valuable experience through internships and other practical opportunities.

While these schools are among the best in the world, it’s important for students to choose a school that is the right fit for their individual needs and goals. Factors such as location, cost, and program offerings should also be taken into consideration when selecting a finance and financial management school. 온라인카지노

Deforestation: Negative Effects on the Environment


The Negative Effects of Deforestation: Exploring the Top 10 Consequences

Deforestation is the process of cutting down trees in a forested area, often for commercial or agricultural purposes. It has many negative effects on the environment and can lead to long-term ecological damage. In this article, we will explore the top 10 negative effects of deforestation. 카지노사이트

Loss of Biodiversity

This can lead to the loss of habitats for many different species, including plants and animals. The destruction of forest ecosystems can disrupt the natural balance and cause certain species to become endangered or even extinct.

Climate Change

Trees absorb carbon dioxide from the atmosphere and release oxygen through photosynthesis. Deforestation leads to the release of carbon dioxide into the atmosphere, which contributes to global warming and climate change.

Soil Erosion

The roots of trees help to hold soil in place, preventing erosion. When trees are cut down, soil can be washed away by rain, leading to landslides and other problems.

Water Cycle Disruption

Trees play a crucial role in the water cycle by absorbing water from the soil and releasing it into the atmosphere through transpiration. This can disrupt this process, leading to reduced rainfall and drought conditions.

Increased Greenhouse Gas Emissions

Deforestation is responsible for up to 15% of all greenhouse gas emissions worldwide. The destruction of forests releases carbon dioxide and other gases into the atmosphere, contributing to global warming and climate change.

Loss of Medicinal Plants Deforestation

Many medicinal plants are found in forests, and the destruction of these ecosystems can lead to the loss of potential cures for diseases.

Economic Impact Deforestation

Deforestation can have a significant economic impact on local communities that rely on forest resources for their livelihoods, such as indigenous peoples and forest-dependent communities. 바카라사이트

Disruption of Indigenous Peoples’ Deforestation

Deforestation can displace indigenous peoples from their homes and disrupt their way of life. These communities often have a deep connection to the land and rely on it for their cultural and spiritual practices.

Loss of Watershed Protection

Forests play a crucial role in protecting watersheds, which provide clean drinking water for millions of people around the world. Deforestation can lead to the degradation of watersheds and the loss of this important ecosystem service.

Increased Risk of Natural Disasters

Forests play a crucial role in preventing natural disasters such as floods and landslides. It can increase the risk of these disasters, as well as the severity of their impacts.


Deforestation has many negative effects on the environment, including the loss of biodiversity, climate change, soil erosion, disruption of the water cycle, and increased greenhouse gas emissions. It also has significant economic and social impacts on local communities and indigenous peoples. It is essential that we take steps to reduce deforestation and protect our forests for future generations. 온라인카지노

What are the best airport hacks?


Air travel can be a stressful experience, especially when you consider navigating your way through an airport. However, with some airport hacks, you can make your airport experience more comfortable and efficient. Here are some of the best airport hacks to make your next trip stress-free 카지노사이트.

First, book your flight for the earliest possible departure time. This can help you avoid long lines at check-in and security, and you might even have the chance to get through security before the crowds arrive. Additionally, early flights are less likely to be delayed or canceled, which can save you a lot of time and stress.

Next, take advantage of airport lounges. Many airlines offer access to their lounges for an additional fee or with elite status. These lounges offer a comfortable place to relax, grab a drink, and use Wi-Fi. If you’re traveling on a long layover, an airport lounge can be a great way to pass the time.

Another useful airport hack is to pack your carry-on luggage wisely. Make sure you have all the essentials in your carry-on, including chargers, headphones, and any medications you might need during your trip. If you’re worried about losing your luggage, pack a change of clothes and some basic toiletries in your carry-on as well.

If you’re traveling internationally, make sure you have all the necessary travel documents in order. This includes your passport, visa (if required), and any other relevant documents such as vaccination records. It’s also a good idea to make copies of these documents and keep them in a separate place, just in case.

Another helpful airport hack is to download the airline’s app before you travel. This can help you stay up-to-date on any flight changes, including gate changes and delays. Additionally, you can use the app to check in and get your boarding pass, which can save you time and hassle at the airport 바카라사이트.

Finally, consider signing up for TSA PreCheck or Global Entry. These programs can help you get through security much faster, as they offer expedited screening for pre-approved travelers. With TSA PreCheck, you don’t have to take off your shoes, belt, or jacket, and you can keep your laptop and liquids in your bag. Global Entry offers similar benefits, plus expedited customs and immigration clearance when entering the US from abroad.

In conclusion, airport hacks can make your travel experience more comfortable, efficient, and stress-free. By booking early morning flights, taking advantage of airport lounges, packing your carry-on wisely, ensuring your travel documents are in order, downloading the airline’s app, and signing up for TSA PreCheck or Global Entry, you can make your next trip a breeze. Don’t let the stress of airport travel ruin your trip – use these airport hacks to make the journey as enjoyable as the destination 온라인카지노.

10 Best Destinations to Visit in 2023


2023 Travel Bucket List: 10 Best Destinations to Visit This Year

March marks the arrival of spring and is the perfect time to pack your bags and explore new destinations. Whether you’re looking for a beach vacation, 카지노사이트 a cultural experience, or an adventurous trip, there are plenty of amazing places to visit in March. Here are ten of the best destinations to consider:

  1. Kyoto, Japan: March is the month of cherry blossoms in Japan, and Kyoto is one of the best places to experience this beautiful sight.
  2. Amsterdam, Netherlands: March is the start of tulip season in Amsterdam, with millions of flowers blooming across the city.
  3. Maui, Hawaii: With warm temperatures and less crowded beaches, March is a great time to visit Maui and enjoy its natural beauty.
  4. Rio de Janeiro, Brazil: March is the month of Carnaval in Rio de Janeiro, one of the most famous festivals in the world 바카라사이트.
  5. Marrakech, Morocco: With mild temperatures and plenty of sunshine, March is a great time to explore the vibrant culture and colorful souks of Marrakech.
  6. Buenos Aires, Argentina: March marks the end of summer in Buenos Aires, making it a great time to explore the city’s vibrant nightlife and architecture.
  7. New Orleans, USA: March is the month of Mardi Gras in New Orleans, a festival known for its vibrant parades and street parties.
  8. Holi, India: The Holi festival is celebrated across India in March, with people throwing colorful powders and water at each other to mark the arrival of spring.
  9. Lisbon, Portugal: With its mild climate and stunning architecture, Lisbon is a great destination to visit in March.
  10. Santorini, Greece: March marks the start of the tourist season in Santorini, with warm temperatures and fewer crowds making it a great time to visit this beautiful island.

In conclusion, March is a great time to travel and explore new destinations. Whether you’re looking for a cultural experience, a beach vacation, or an adventurous trip, there are plenty of amazing places to visit. From the cherry blossoms of Kyoto to the colorful Holi festival in India, there’s something for everyone. So why not pack your bags and start planning your next adventure 온라인카지노?


Bitten by the travel bug? Then you need these revenge travel hacks

After spending most of the past two years staring at the same four walls, people are now slowly coming out of their homes and looking to embark on new adventures as borders reopen. Flights are getting filled again and tourist spots no longer look like ghost towns.카지노사이트

It’s as if life is coming back to its vibrant self (but with better health and safety precautions).

Now, if the pandemic has taught us anything, it’s that it’s necessary to be extra prepared for anything that might happen. So before you hop on a plane and jet off to explore new horizons, consider reading through this list of revenge travel hacks first so you can make the most out of your future trips.

Keep vaccination documents with you

Some countries may have eased travel regulations, but you’ll never know when these might change. As of writing, the Philippines still requires Filipinos to have vaccination certificates from the Department of Health’s VAXCertPH when going to international destinations, but vaccination cards offered by local government units can be accepted as well.

Requirements, whether here in the Philippines or abroad, change depending on the number of COVID cases, so it’s best to keep copies of documents with you just in case. After all, you wouldn’t want to be stuck far from home for extended periods of time.

Planning saves you money

Flights, hotels, or tours might cost more when booked late. This is why planning ahead helps you save money.

When you plan a trip, consider your general destination first, and then create a list of activities and spots you want to visit. This list will help you build your itinerary including flights, hotels, commutes, and other logistics. You can also use map apps to check travel times in between.

You can also add estimated costs to your itinerary and then figure out how you can save on some of the items. For example, you can check seat sales or flight comparison websites when booking a plane ticket. For accommodations, instead of booking hotels, you can check well-reviewed hostels or homestays.

Also, consider having backup plans or contingencies in case your schedule changes due to uncontrollable situations like flight delays or traffic.

Another quick hack here is if you’re booking a long-haul flight, compression clothing like leggings or socks will help keep you from feeling numbness or fatigue along the way.

Choose off-season dates
Unless you’re traveling for something time specific such as seeing cherry blossoms bloom in Japan, consider timing your trips with off-peak dates so you can get cheaper deals. Plus, traveling when there aren’t too many tourists around also means less traffic and better photo opportunities 😉.

Get ready for cardio

After spending so much time at home, chances are you’ve succumbed to a sedentary lifestyle whether you wanted to or not. So before you hop on a flight, try getting some cardio done weeks ahead of your trip. You’re going to be lugging around your maleta and walking a lot, so you’ll definitely need it.

And once you’re in your destination, consider well-balanced meals as well so you don’t feel heavy while you’re on tour.바카라사이트

Ditch fast food, find local eateries instead
Yes, it’s tempting to resort to fast food when you’re traveling because it’s the easier alternative when you’re rushing from one destination to another. But as they say, When in Rome, do as the Romans do.”

Forget about eating burgers and fries! Look up travel guides or food review websites and build local eateries (whether those are cheap, bougie, or fine dining) into your itinerary. Make lunch breaks an experience too!

Traveling, whether local or international, will be costly no matter what, so you might as well get rewards with every booking and purchase you make! Credit card companies build rewards and perks around traveling. But you want one that offers greater flexibility and choice such as the BDO-issued American Express®Explorer™ Credit Card.

The Explorer Card is not limited to one frequent flyer program. Cardmembers can redeem from six frequent flyer partners and two hotel loyalty program partners.

Mabuhay Miles (Philippine Airlines)
Cathay Membership (Cathay Pacific Airlines)
KrisFlyer (Singapore Airlines)
Delta SkyMiles Program (Delta Airlines)
Royal Orchid Plus (Thai Airways)
Enrich (Malaysia Airlines)
Marriott Bonvoy
Hilton Honors
It also has one of the lowest spend-to-air mile conversion rates at P40 pesos to one mile.

Cardmembers are also entitled to up to P10 million Travel Accident and Inconvenience Coverage, and up to P250,000 in purchase protection when they book tickets with the card.

If you also spend P600,000 in a year, you get a bonus 2,000 Membership Rewards® Points.

In other words, the more you book trips or purchase items with your American Express Explorer Credit Card, the more travel opportunities you can get in the future.온라인카지노


Finance and HR Director, Growing Agriculture and Incomes in Syria, USAID/Syria

Mercy Corps is powered by the belief that a better world is possible. To do this, we know our teams do their best work when they are diverse and every team member feels that they belong. We welcome diverse backgrounds, perspectives, and skills so that we can be stronger and have long term impact.카지노사이트

Mercy Corps works in places of transition, where conflict, disaster, political upheaval, or economic collapse present opportunities to build more secure, productive, and just communities. Providing emergency relief in times of crisis, we move quickly to help communities recover and build resilience to future shocks, and promote sustainable change by supporting community-led and market-driven initiatives. Recognizing both the great potential and the complex challenges faced by the Middle East, since 1989 Mercy Corps has been implementing a range of humanitarian assistance and development programs tailored to the specific needs of the region and of those communities where we work.

Program / Department Summary

Mercy Corps has been implementing emergency, life-sustaining, and resilience activities in Syria since 2012. Mercy Corps partners with a range of strategic institutional donors to deliver at high quality and a large scale. The evidence and learning component of Mercy Corps’ work and relationships with donors is critical to a meaningful impact on the lives of vulnerable people in Syria.

Mercy Corps is seeking a Finance and HR Director to support the implementation of the USAID Growing Agriculture and Incomes in Syria (GROW) activity. This five-year, $30-45m contract is expected to strengthen agriculture markets in non-regime held areas of Syria. The Activity is expected to increase the earnings of small and commercial farmers and other market systems actors by reducing constraints to production, strengthening private sector engagement, improving market access, and increasing economic opportunities for women and youth in agricultural value chains.

The Position

The Finance and HR Director will assist the Chief of Party (COP) and Deputy Chief of Party (DCOP) in project oversight, with a focus on the financial, human resources, and administrative management of the activity. The position reports directly to the COP and will provide financial and HR oversight and management of the budget, project costs, recruitment and retention and project support staff.

Essential Responsibilities


  • Ensure sound financial management, including programmatic budgeting, spending projections, and monitoring of payments in compliance with USAID standards.
  • Supervise daily and routine financial, administrative, and HR tasks including monthly accounting cycle, payment of staff salaries, and bank statement monitoring and reconciliation.
  • Work with the U.S.-based finance and accounting team to rectify any budget issues
  • Ensure office policies are compliant with project and donor policies are effectively implemented
  • Participate in work planning, and work closely with the technical team to prepare and monitor costed work plans
  • Support and provide information and training to staff; serve as a human resources focal point responsible for fostering and maintaining a safe and inclusive work environment
  • Support in essential communication with partners and sub-grantees to verify their systems and that they understand and follow all appropriate procedures and archiving.
  • Work with finance and compliance to mitigate fraud, conflict of interest and legal ramifications of Mercy Corps activities.
  • Ensure that all programme planning and implementation is in line with USAID requirements.


  • Oversee recruitment and onboarding of all staff and consultants
  • Develop the capacity of the GROW team, deepen understanding of staff roles, and assist with career development.
  • Provide team members with information, tools, and resources to improve performance and reach objectives.
  • Promote staff accountability, communicate expectations, and provide constructive feedback informally and formally via regular one-on-one meetings and performance reviews.
  • Create and sustain a work environment of mutual respect where team members strive to achieve excellence.


  • Ensure compliance with USAID and Mercy Corps’ regulations.
  • Create and maintain systems to ensure effective and transparent use of financial resources for timely and informative reporting in line with program, donor, and Mercy Corps’ needs.

Supervisory Responsibility

Supervise a cadre of the GROW Team in particular finance and human resources. The number of direct and indirect reports will be determined at a later stage.


Reports Directly To: GROW COP

Works Directly With: GROW senior leaders (key personnel and component leads), Country Director, Director of Programs, Program Performance and Quality Director, HR, finance and operations teams, and HQ Regional Programs Team 바카라사이트

Accountability to Participants and Stakeholders

Mercy Corps team members are expected to support all efforts toward accountability, specifically to our program participants and to international standards guiding international relief and development work, while actively engaging program participant communities as equal partners in the design, monitoring and evaluation of our field projects.

Minimum Qualification & Transferable Skills

  • Bachelor’s degree in finance, accounting, business administration, operations, or other related discipline.
  • Minimum eight years of relevant experience, with at least 6 in financial management
  • Experience in senior leadership positions on USAID contracts
  • Experience overseeing human resources divisions, ideally with a project of similar size and complexity
  • Strong administrative and organizational skills; excellent communication and interpersonal skills
  • Skilled at using Microsoft Office products and other computer software
  • Demonstrated leadership and management skills
  • Ability to work in complex, politically charged, unstable environments, as well as work across different cultures, and manage diverse teams
  • Demonstrated leadership, versatility, and integrity
  • Experience in Syria strongly preferred
  • Fluency in spoken and written English and Arabic required

Success Factors

A successful candidate will have a demonstrated ability to lead and communicate effectively with team members and other stakeholders of varied work styles and cultures, follow procedures and meet deadlines with flexibility and creativity in planning and problem solving. This position requires an ability to think creatively about civic engagement to strengthen inclusive, peaceful, and responsive governance. They will have a proven ability to learn quickly, multi-task, prioritize, take initiative, and be accountable for results, understand the larger picture while remaining focused on the details, problem solving, work within a complex and sensitive setting and to follow laws and security protocols. The most successful Mercy Corps team members have a strong commitment to teamwork and accountability, thrive in evolving and changing environments and make effective written and verbal communication a priority in all situations.

Living Conditions / Environmental Conditions

This role will be based in Hasakeh, Syria but split its time between Derik, Hassakeh, and Raqqa based on need with travel to other areas of NES as required and requires up to 50% travel to all program implementation sites, security permitting. Personnel in this location are expected to follow all security protocols.

The position is eligible for hardship, R&R, and home leave, as well as regular employment benefits. This unaccompanied position will be required to reside in group housing in an austere environment. Water, electricity, and the internet are present with occasional cuts.

Mercy Corps Team members represent the agency both during and outside of work hours when deployed in a field posting or on a visit/TDY to a field posting. Team members are expected to conduct themselves in a professional manner and respect local laws, customs and MC’s policies, procedures, and values at all times and in all in-country venues.

Diversity, Equity & Inclusion

Achieving our mission begins with how we build our team and work together. Through our commitment to enriching our organization with people of different origins, beliefs, backgrounds, and ways of thinking, we are better able to leverage the collective power of our teams and solve the world’s most complex challenges. We strive for a culture of trust and respect, where everyone contributes their perspectives and authentic selves, reaches their potential as individuals and teams, and collaborates to do the best work of their lives. We recognize that diversity and inclusion is a journey, and we are committed to learning, listening and evolving to become more diverse, equitable and inclusive than we are today.

Ongoing Learning

As part of our commitment to organizational learning and in support of our understanding that learning organizations are more effective, efficient and relevant to the communities they serve, we expect all team members to commit 5% of their time to learning activities that benefit Mercy Corps as well as themselves.

Equal Employment Opportunity

Mercy Corps is an equal opportunity employer that does not tolerate discrimination on any basis. We actively seek out diverse backgrounds, perspectives, and skills so that we can be collectively stronger and have sustained global impact. We are committed to providing an environment of respect and psychological safety where equal employment opportunities are available to all. We do not engage in or tolerate discrimination on the basis of race, color, gender identity, gender expression, religion, age, sexual orientation, national or ethnic origin, disability (including HIV/AIDS status), marital status, military veteran status or any other protected group in the locations where we work.

Safeguarding & Ethics

Mercy Corps is committed to ensuring that all individuals we come into contact with through our work, whether team members, community members, program participants or others, are treated with respect and dignity. We are committed to the core principles regarding prevention of sexual exploitation and abuse laid out by the UN Secretary General and IASC and have signed on to the Interagency Misconduct Disclosure Scheme. We will not tolerate child abuse, sexual exploitation, abuse, or harassment by or of our team members. As part of our commitment to a safe and inclusive work environment, team members are expected to conduct themselves in a professional manner, respect local laws and customs, and to adhere to Mercy Corps Code of Conduct Policies and values at all times. Team members are required to complete mandatory Code of Conduct elearning courses upon hire and on an annual basis. 온라인카지노


Fund UK’s local news outlets or they won’t survive, MPs warn government

Struggling local media outlets should be helped to survive with government funding, a report by a committee of MPs has advised, warning of the damage to democracy and society from a decline in the quality of local reporting.카지노사이트

The report calls on the BBC to reconsider plans for its local radio stations to share more content across regions as part of its digital-first strategy, which the MPs say would “dilute the sense of localness” that sets the corporation’s stations apart from commercial rivals.

Other recommendations include making it easier for local news publishers to achieve charitable status and for the government to encourage more philanthropic funding of local journalism.

The report on the sustainability of local journalism, published by the Commons digital, culture, media and sport committee, outlines how many local publishers have struggled to adapt to the shift from print towards an online world. More than 300 local newspaper titles closed between 2009 and 2019.

It highlights what the MPs described as “the harmful impact on communities” from the decline in access to local news. This included a decrease in participation in civic life, less scrutiny of local government decisions and increasing levels of polarisation and misinformation.

“The disappearance of local news providers, which have always acted as the eyes and ears of their readers and held local decision makers to account, has ripped a hole in the heart of many communities,” said Damian Green MP, acting chair of the committee.

“Worryingly, it is the most deprived areas of the country that are most likely to miss out on coverage, compounding the disadvantages they already face.”바카라사이트

A key aspect of the report is its backing for an independent report by Dame Frances Cairncross on the future of the British media, which said in 2019 that local news coverage could disappear, which could pose a threat to the “long-term sustainability of democracy” unless the government provided direct financial support.

The MPs praised the BBC-funded local democracy reporter service (LDRS), which supports a network of journalists covering local news, while adding that more could be done to expand it across different platforms and calling for it to be protected during forthcoming BBC charter negotiations.

The report added that the BBC had written to MPs since the agreement on the report, which called for the corporation to reconsider proposed changes to local radio provision that would involve the greater sharing of news as part of regional hubs.

While the BBC said it had adopted a number of proposals, the MPs were still concerned that the main changes of concern to them would go ahead.

Addressing the role of social media and big digital firms, the report said that long-awaited digital markets legislation must enable news sites to negotiate a fair commercial relationship with online companies hosting their stories, such as Google and Meta.

Despite local news publishers’ collapse in revenues, the MPs highlighted what they described as encouraging examples of innovation and said that, with the right support, the sector could be revived and have a sustainable future.온라인카지노


Brazil’s New Government Works to Reverse Amazon Deforestation

RIO DE JANEIRO —Shaking a traditional rattle, Brazil’s incoming head of Indigenous affairs recently walked through every corner of the agency’s headquarters — even its coffee room — as she invoked help from ancestors during a ritual cleansing.카지노사이트

The ritual carried extra meaning for Joenia Wapichana, Brazil’s first Indigenous woman to command the agency charged with protecting the Amazon rainforest and its people. Once she is sworn in next month under newly inaugurated President Luiz Inacio Lula da Silva, Wapichana promises to clean house at an agency that critics say has allowed the Amazon’s resources to be exploited at the expense of the environment.

As Wapichana performed the ritual, Indigenous people and government officials enthusiastically chanted “Yoohoo! Funai is ours!’’ — a reference to the agency she will lead.

Environmentalists, Indigenous people and voters sympathetic to their causes were important to Lula’s narrow victory over former President Jair Bolsonaro. Now Lula is seeking to fulfill campaign pledges he made to them on a wide range of issues, from expanding Indigenous territories to halting a surge in illegal deforestation.

To carry out these goals, Lula is appointing well-known environmentalists and Indigenous people to key positions at Funai and other agencies that Bolsonaro had filled with allies of agribusiness and military officers.

In Lula’s previous two terms as president, he had a mixed record on environmental and Indigenous issues. And he is certain to face obstacles from pro-Bolsonaro state governors who still control swaths of the Amazon. But experts say Lula is taking the right first steps.

The federal officials Lula has already named to key posts “have the national and international prestige to reverse all the environmental destruction that we have suffered over these four years of the Bolsonaro government,” said George Porto Ferreira, an analyst at Ibama, Brazil’s environmental law-enforcement agency.

Bolsonaro’s supporters, meanwhile, fear that Lula’s promise of stronger environmental protections will hurt the economy by reducing the amount of land open for development and punish people for activities that had previously been allowed. Some supporters with ties to agribusiness have been accused of providing financial and logistical assistance to rioters who earlier this month stormed Brazil’s presidential palace, Congress and Supreme Court.

When Bolsonaro was president, he defanged Funai and other agencies responsible for environmental oversight. This enabled deforestation to soar to its highest level since 2006, as developers and miners who took land from Indigenous people faced few consequences.

Between 2019 and 2022, the number of fines handed out for illegal activities in the Amazon declined by 38% compared with the previous four years, according to an analysis of Brazilian government data by the Climate Observatory, a network of environmental nonprofit groups.

One of the strongest signs yet of Lula’s intentions to reverse these trends was his decision to return Marina Silva to lead the country’s environmental ministry. Silva formerly held the job between 2003 and 2008, a period when deforestation declined by 53%. A former rubber-tapper from Acre state, Silva resigned after clashing with government and agribusiness leaders over environmental policies she deemed to be too lenient.바카라사이트

Silva strikes a strong contrast with Bolsonaro’s first environment minister, Ricardo Salles, who had never set foot in the Amazon when he took office in 2019 and resigned two years later following allegations that he had facilitated the export of illegally felled timber.

Other measures Lula has taken in support of the Amazon and its people include:

— Signing a decree that would rejuvenate the most significant international effort to preserve the rainforest — the Amazon Fund. The fund, which Bolsonaro had gutted, has received more than $1.2 billion, mostly from Norway, to help pay for sustainable development of the Amazon.

— Revoking a Bolsonaro decree that allowed mining in Indigenous and environmental protection areas.

— Creating a Ministry of Indigenous Peoples, which will oversee everything from land boundaries to education. This ministry will be led by Sônia Guajajara, the country’s first Indigenous woman in such a high government post.

“It won’t be easy to overcome 504 years in only four years. But we are willing to use this moment to promote a take-back of Brazil’s spiritual force,” Guajajara said during her induction ceremony, which was delayed by the damage pro-Bolsonaro rioters caused to the presidential palace.

The Amazon rainforest, which covers an area twice the size of India, acts as a buffer against climate change by absorbing large amounts of carbon dioxide. But Bolsonaro viewed management of the Amazon as an internal affair, causing Brazil’s global reputation to take a hit. Lula is trying to undo that damage.

During the U.N.’s climate summit in Egypt in November, Lula pledged to end all deforestation by 2030 and announced his country’s intention to host the COP30 climate conference in 2025. Brazil had been scheduled to host the event in 2019, but Bolsonaro canceled it in 2018 right after he was elected.

While Lula has ambitious environmental goals, the fight to protect the Amazon faces complex hurdles. For example, getting cooperation from local officials won’t be easy.

Six out of nine Amazonian states are run by Bolsonaro allies. Those include Rondonia, where settlers of European descent control local power and have dismantled environmental legislation through the state assembly; and Acre, where a lack of economic opportunities is driving rubber-tappers who had long fought to preserve the rainforest to take up cattle grazing instead.

The Amazon has also been plagued for decades by illegal gold mining, which employs tens of thousands of people in Brazil and other countries, such as Peru and Venezuela. The illegal mining causes mercury contamination of rivers that Indigenous peoples rely on for fishing and drinking.

One area where Lula has more control is in designating Indigenous territories, which are the best-preserved regions in the Amazon.

Lula is under pressure to create 13 new Indigenous territories — a process that had stalled under Bolsonaro, who kept his promise not to grant “one more inch” of land to Indigenous peoples.온라인카지노


Can you Play Casino Around the World

If you want to know whether you can play casino games in a particular country, read this article. You will learn about the age requirements, number of casinos in a particular country, and the culture. You can also learn about the gambling regulations in each country and how you can stay away from the pitfalls. 카지노사이트

Age requirements to play casino games

The age requirements for playing casino games around the world vary slightly, but in most cases, they are 18 or older. However, there are some countries that do not allow gambling at all. For example, Brazil has made gambling illegal since 1948. There are also certain countries in Asia that do allow gambling, including Singapore, Japan, and South Korea.

The age requirements for gambling vary by country, but they tend to follow the trends within the continent. For instance, countries in the European Union are generally consistent in their stance, while African countries are still developing markets and show less uniformity. In the United States, the laws vary a bit depending on the location.

While online casinos can’t enforce an age limit, land-based casinos usually have one. Casinos in Canada, for example, require a player to be at least 18 years old to enter. In addition, they often require a valid ID before allowing anyone under the age of 21 to play.

Locations of casinos

When it comes to gambling, the world is full of exciting choices. Many countries have casinos, and there are many ways to experience the thrill of casino gambling. Some countries have more than one casino, while others have only a handful of them. Some of the most well-known casinos in the world are located in Europe.

China, India, and the United States are among the countries with the most casinos. In the United States, Las Vegas and Macau are the most popular. In the Philippines, Entertainment City in Paranaque is sort of a miniature Macau. However, you should be responsible when gambling in any casino.

Macau is a gambling haven and is home to some of the largest casinos in the world. The Venetian, for instance, features 376,000 square feet of gaming space and 1,760 slot machines. It is also a popular destination for travelers who wish to experience the thrill of gambling.

Number of casinos in a country

The US is one of the world’s leading gambling countries, with over 900,000 slots and more than a half million jobs directly generated by the industry. In addition to Las Vegas, US casinos generate over $70 billion in revenue annually. While the US is still in its early stages of online gambling development, the country boasts hundreds of land-based casinos, many of them concentrated in Las Vegas and nearby regions.바카라사이트

In addition to the US, Canada has 216 casinos. Despite its small size, the country has many popular gambling destinations, including Niagara Falls. Canada is also home to many smaller casinos and Indian-run casinos. While there are fewer casinos per capita in the US, Canadians have plenty to choose from.

France is the third-largest country for casinos, but the country has a completely different gambling scene than North America. Many of the casinos are old and gilded in gold, making them very different from the more modern gambling establishments in North America. Some of the country’s oldest venues date back to 1912. Other famous French casinos are the Casino Palais de la Méditerranée in Nice, which opened in 1929. The Casino Partouche des Evaux-les-Bains was opened in 1912. And the Casino Barriere deauville opened in 1912.온라인카지노


5 ways to travel better in 2023 — and maybe save some money doing it

The start of a new year brings fresh opportunities, and that includes travel.카지노사이트

People are figuring out where they’d like to go and what they need to do in order to make successful trips happen.

Now is a good time to apply for or renew a passport and sign up for a Trusted Traveler program such as Global Entry or TSA PreCheck — or check to make sure your enrollment isn’t expiring soon. It’s also a good time to consider whether visiting must-see Arizona destinations in off-peak times or getting a credit card with improved travel perks is right for you.

Here are five things to do right now to enjoy traveling more in 2023.

  1. Apply for or renew your passport right away

Demand for international travel is apparent as airlines add more flights from Phoenix Sky Harbor International Airport. American Airlines will introduce new service to Monterrey, Mexico, in January and ultra-low-cost carrier Lynx Air will enter the market with flights between Sky Harbor and Calgary, the largest city in Alberta, Canada, starting in February.

If you’ve booked an international trip or are planning one for the not-so-distant future, get your passport as soon as possible if you don’t already have it. The U.S. Department of State estimates travelers can expect to wait six to nine weeks for routine passport processing and three to five weeks for expedited processing. These times may increase if demand surges.

If you have a passport, check the expiration date. Passports are valid for 10 years. If yours is expired or close to expiring, renew it as soon as possible. Some countries won’t let you enter if your passport is near expiration. That window varies by country, so check the travel requirements of your destination if your passport has less than one year remaining.

  1. Make sure your PreCheck or Global Entry is current

Passports aren’t the only travel tools that can expire. Now is good time to check how much time remains on your Trusted Traveler program enrollment.

These programs help speed you through security and immigration lines. Enrollment, which requires going through an interview, lasts five years and can be renewed the year before it expires.

The Transportation Security Administration offers PreCheck ($85). U.S. Customs and Border Protection administers Global Entry, NEXUS and SENTRI. Global Entry ($100) allows expedited entry into the U.S. from international destinations. SENTRI ($122.25) expedites entry to the U.S. from Canada and Mexico. NEXUS ($50) allows expedited entry to the U.S. from Canada.

Applying or renewing well in advance is key. PreCheck processing can take up to two months in some cases, though most applicants receive their Known Traveler Number within three to five days. The process for the CPB programs could take as long as six to 18 months, and interview availability is limited.

Arizona has eight PreCheck enrollment centers, at Sky Harbor Airport, Staples locations at Camelback Colonnade in Phoenix and Arrowhead Crossing in Peoria, and IdentoGo locations in Gilbert, Sun City, Casa Grande, Tucson and Flagstaff.

Arizona has five enrollment centers for the CPB programs: Sky Harbor Airport, Tucson International Airport and the port of entry offices in Douglas, Nogales and San Luis. You can check interview appointment availability before applying; to do so, visit

If your Global Entry is close to expiration and you have a filed your renewal application, you can use it past the expiration date for up to two years, according to Homeland Security.

  1. Consider getting a credit card with travel perks

Credit cards with perks like airline miles, hotel points or cash back for purchases can supplement your travel budget.바카라사이트

The Capital One Venture Rewards card, for example, offers 2 miles per dollar on every purchase, 5 miles per dollar on hotels and rental cars booked through Capital One travel, and an introductory offer of 75,000 bonus miles when you spend $4,000 on purchases in the first three months of the account. Other cards have different combinations of benefits that may suit your needs.

Be aware that many of these credit cards have annual fees, like Venture Rewards’ $95 per year. Some cards have no enrollment fees, like Chase Freedom Unlimited, which currently has an introductory offer of 6.5% cash back on travel purchases made with the card in the user’s first year.

  1. Visit Arizona’s hottest destinations in the offseason

It might feel like Sedona, Flagstaff and the Grand Canyon are always crowded. But a comfortable experience is possible if you travel when people are less likely to go.

The spring and fall months tend to be the busiest times to visit Sedona, while fewer tourists are likely in summer and winter. Data from the Sedona Chamber of Commerce confirms this — bed tax collections in the 2021-22 fiscal year were highest in spring and fall, peaking at just over $1 million in May 2022.

The Grand Canyon is busiest from the late spring to the early fall, with this past summer averaging around 500,000 visitors in each peak-season month, according to the National Park Service. October through March typically is less busy, though people who visit during the winter months should be aware of winter weather hazards and plan for snowy and icy conditions.

  1. Consider flying from Phoenix-Mesa Gateway Airport instead of Sky Harbor

As the main airport serving metro Phoenix, Sky Harbor International is where most of the region’s leisure and business travelers fly.

But for residents of the eastern part of Phoenix and cities including Chandler, Gilbert, Mesa, Tempe, Apache Junction and Queen Creek, Phoenix-Mesa Gateway Airport may win out over Sky Harbor for its convenient location and smaller, easily navigable size.

The east Mesa airport continues to experience record-setting passenger growth, and October 2022’s passenger count of 150,846 people marked a 15% increase from the same month in 2021.

Gateway Airport continues to evolve to keep pace with airline industry and regional growth. It recently began work on a 30,000-square-foot terminal extension that will add new gates, a glass walkway, a tech lounge and restaurants and shops upon its expected completion in 2024.

Gateway Airport is targeted toward leisure travelers. Be aware that its airlines — the biggest one is Allegiant Air — offer flights only on certain days, not every day. Parking is cheaper than at Sky Harbor — $13 per day in the main daily lot just south of the terminal, $11 in a covered economy lot and $9 in an uncovered economy lot — but travelers should still give themselves plenty of time to find a spot and get to the terminal.온라인카지노