My gym is closed! There is no shortage of fat, can you get the money back?

  Beijing, Nov. 8 (Xinhua): My gym is closed! There is no shortage of fat, can you get the money back?

  "Swimming and fitness, get to know it", we can always hear the call of "kindness" in the streets and near the subway station.

  However, the gym is like a "love rat". Before you get a card, you are obedient. After you get a card, you just ignore it. If you are not careful, you may "disappear" without a trace.

Data Map: Young people gather in the gym to train in full swing. Photo by Zhong Xin

  "My gym suddenly closed."

  "Come on, turn around, do high-temperature yoga sit-ups, spin pilates, and soak medlar in a thermos; Come on, take a deep breath, swim a few meters in fun run in the morning, and paddle a dumbbell rowing machine. Don’t give up until you reach your goal. "

  The lyrics of Calories can be said to be a true portrayal of contemporary people’s fitness.

  In order to realize "vest line", "A4 waist" and "peach hip" … … Many people "send" money into the gym, hoping to achieve an S-shaped figure and eight-pack abdominal muscles.

  But now, many people find that the gym has quietly closed before losing a layer of fat. He Yuan, who went to college in Changsha, Hunan, encountered this situation.

  He Yuan said, "Before, Changsha Star Burning Olympic Sports Gymnasium held an activity, saying that it was a full refund after the card was issued, and it was returned in ten times and ten months. I got the card in June. Now I have only returned 6,700 yuan, and 12,000 yuan has not returned, and the gym is closed. "

  In the face of substantial discounts in the gym, He Yuan is not without doubt. "I asked many times at the time, and the coach said that the boss was hard in the background. When running private classes, too, private education has been selling for performance, and stressed that nothing will happen, and it will be heart-warming when talking. " What’s more, He Yuan felt that spending a lot of money didn’t produce any effect.

Data map: People exercise in the gym. China News Service reporter Yin Liqin photo

  Zhang Lin, who lives in Wuhan, Hubei Province, also suffered from the closure of the gym and the fact that the money could not be refunded. "Before, I gave two two-year cards to the elderly at home at the Jijian Swimming and Fitness Club on the second floor of Poly Huadu in Yangjiawan, Wuhan. I swam three or five times a month, and the fitness equipment was basically unused. Less than a year now, the gym is closed and I want a refund. The boss said that I have no money and I have to go through the bankruptcy process. "

  "Recently, many gyms have closed down, mainly because the market environment is not good. Now it is common for four or five gyms to appear in two kilometers in Fiona Fang, and the competitive pressure is growing." Xiao Zhu, a gym coach in Beijing, told reporters. According to the report of Forward-looking Research Institute, the fitness industry is currently experiencing a middle-aged crisis, and more than 60% of traditional gymnasiums are facing difficulties in operation and face losses or even closure.

  Prepaid card "pie" becomes "trap"

  There are quite a few consumers who have experienced similar cases with He Yuan and Zhang Lin. According to the "Analysis of Complaints Accepted by the National Consumers Association in the First Half of 2019" published by the China Consumers Association, there were 7,738 complaints about fitness services, and the number of complaints increased by 72.6% year-on-year. "The main reason for the large increase in complaints about fitness services is that merchants run away after prepaid cards, causing group complaints."

  The White Paper on Fitness Industry in 2018-2019 also shows that in 2018, a total of 3,099 gymnasiums were closed, with a closing rate of 4.36%, and 528 gymnasiums were closed within one year after their establishment.

  In 2019, Haosha, a brand with a history of 20 years, became a landmark event. Due to the failure of capital operation, almost all the 160 stores and 300,000 members of Haosha Fitness were closed or transferred, and the employees and member consumers of Haosha Fitness became the buyers.

People exercise in the gym. China News Service reporter Yin Liqin photo

  At present, Shi Hongliu, the chairman of Haosha International, and Shi Hongyan, the legal representative of Quanzhou Haosha Fitness Club Co., Ltd. have all been listed as untrustworthy by the court, involving more than 1.2 billion yuan.

  "In order to recover the huge investment in the early stage as soon as possible, traditional gyms tend to choose the business model of oversold annual cards (prepaid cards): after the new store landed, it set a higher retail price and launched a low-priced annual card, which formed a large number of advance receipts, and then expanded the new store with the advance receipts, thus falling into an inertia cycle.

  "Buy one year and get half a year", "50% discount card purchase", "mega promotion" and "rebate". In recent years, in order to compete for customers, various preferential activities have emerged one after another in gyms. Once the annual card is issued, some netizens said that the coach will be screaming around you that the movements are not standard and you can’t train, so you can buy private lessons.

A coach commented in Weibo.

  "The oversold annual card model is a bet between the gym and customers. The bet is that customers who apply for annual cards will not come to the gym often." A gym coach said that the advance payment quickly brought huge cash flow.

  There are even criminals who temporarily rent the platform, use the guise of "new store is about to open" or "renovation and upgrading" in the gym, and use low prices or card preferential activities to fool consumers into buying pre-sale cards. Once they receive funds, they will quickly roll up the money and run away.

  "Advance payment is not a profit. Advance payment is used to fill the upfront investment, and it also pays for future membership services, personnel salaries, equipment maintenance and other costs." An industry analyst said that due to high operating costs, blind expansion and other reasons, once the capital chain breaks, it can only be closed.

  Can I get the prepaid money back?

  He Yuan recalled, "One month before closing, it was in the cashback period. As a result, the gym said that the funds were not enough and they would receive it together next month. If only I had paid more attention to it at that time. " Zhang Lin, who ran a member’s gym, was in arrears with the rent of more than 330 thousand yuan and was sent a collection notice by the mall.

  Looking at it comprehensively, consumers need to pay more attention to whether the gym rent is paid in full, whether the staff salary is paid on time, whether the funds can be turned over, etc., to judge whether there are business problems. But once the enterprise closes, how to deal with the advance payment? There are relevant provisions in the law.

  For example, Article 107 of the Contract Law stipulates that if a party fails to perform its contractual obligations or fails to meet the contract obligations, it shall bear the liabilities for breach of contract such as continuing to perform, taking remedial measures or compensating for losses;

  Article 53 of the Law on the Protection of Consumers’ Rights and Interests stipulates that if an operator provides goods or services in advance, but fails to provide them in accordance with the agreement, it shall fulfill the agreement or return the advance payment according to the requirements of consumers.

A "shared fitness cabin" in a residential area in Lanzhou. China News Service reporter Yang Yanmin photo

  "These two laws are still in the category of civil and commercial law, and the mandatory restrictions on operators are not enough." Yan Bing, director of Beijing Yuntong Law Firm, told reporters that gyms are basically small and micro enterprises, and it is difficult to find people whether they are closed down or running away. Unless it is in the name of opening a gym, it is a fraud in criminal law to collect money and run away.

  Qiu Baochang, a member of the Expert Committee of the China Consumers Association and a lawyer of Beijing Huijia Law Firm, suggested taking precautions, setting up a special account or condominium account for advance payment, setting up a deposit, and regularly announcing the use of advance payment to consumers to ensure consumers’ rights and interests. (He Yuan and Zhang Lin are pseudonyms in the text)

  (Author: Xie Yiguan)

Renew the contract at the same time! Poole is 140 million in 4 years, Wiggins is 109 million in 4 years, and next year, the salary of Warriors will break 500 million!

On October 16th, Beijing time, according to the latest report of the NBA’s famous Woshen, Golden State Warriors reached a contract renewal agreement with Poole and Wiggins at the same time. Poole signed a four-year contract of $140 million, while Wiggins significantly reduced his salary and signed a four-year contract of $109 million. Golden State Warriors spent $249 million to keep Poole and Wiggins at the same time, which is undoubtedly a huge surprise for Golden State Warriors’ road to championship in the next few years!

After the news of the famous God Woshen broke the news, according to several ESPN sources, Golden State Warriors and Jordan Poole formally reached a four-year and $140 million early contract renewal agreement. The guaranteed amount of the contract is USD 123 million, with an incentive clause. After the incentive clause is completed, the contract amount can be expanded to 140 million.

Jordan Poole was selected by Golden State Warriors with the 28th overall pick in the first round of the 2019 draft, and then signed a four-year, $10.09 million rookie contract with the Warriors. At present, there is one year left in the rookie contract, which is worth $3.9 million. The new contract will not take effect until the 2023-24 season. 2? In the 2001-22 regular season, Poole played 30 minutes per game with 18.5 points, 3.4 rebounds, 4 assists and 0.8 steals. In the playoffs, he played 27.5 minutes per game with 17.0 points, 2.8 rebounds, 3.8 assists and 0.8 steals.

Subsequently, the American media StatMuse exposed a set of data, ranking the top six in the average annual salary of 2019 rookie’s early contract renewal, and Morant, Zion and Garland’s average annual salary was $38.86 million, which tied for the top three. Poole’s average annual salary after renewal is as high as $35 million, ranking fourth, followed by Hiro’s average annual salary of $30 million and Barrett’s average annual salary of $26.79 million.

At the same time, after Poole’s 4-year contract extension of $140 million, Golden State Warriors will have four players with annual salary exceeding $28 million in 2023-24 season, and these four players are rookies cultivated by Golden State Warriors themselves: Curry’s annual salary is $52 million, Clay’s annual salary is $43 million, Poole’s annual salary is $35 million, and Chasing Dreams Green’s annual salary is $28 million. The success rate of rookie like Golden State can be said to be the only one in the league.

In addition, according to the famous story of God Wo, Golden State Warriors renewed their contract with All-Star Wiggins for four years, with a contract value of 109 million dollars. Wiggins will be tied with Golden State Warriors for five years, with a total contract value of 143 million dollars. Mouth Wiggins earned $33.6 million this season. The salary of the new contract will be reduced to $24.3 million in the first year and $26.3 million in the second year. Golden State Warriors gave Mouth Wiggins the option in the last year.

Kou Wiggins was the No.1 draft pick in 2014. On the day he was selected, he was traded to Timberwolves by Cavaliers. He stayed there for six years until he was traded to Golden State Warriors in 2020. In the 2021-22 season, Wiggins played the masterpiece of his career, averaging 17.2 points, 4.5 rebounds and 2.2 assists per game. He was selected as an NBA All-Star for the first time.

Wiggins’ performance in the playoffs was even more amazing, averaging 16.5 points, 7.5 rebounds and 1.8 assists per game, with a shooting percentage of 46.9%, a 3-point shooting percentage of 33.3% and a free throw percentage of 64.6%. His performance was comprehensive and stable. Wiggins’ total positive and negative value in the playoffs is as high as +140, which is superior to all playoff players, even higher than Curry, ranking first in the league!

After learning that Poole renewed the Golden State Warriors for $140 million in four years, many experts and fans thought Wiggins would leave, but Wiggins chose to reduce his salary by nearly $10 million a year and renew the Golden State Warriors. We have to sigh, Wiggins is sure to be true love to Golden State Warriors, but Golden State Warriors are like many media descriptions to Wiggins, like breaking a bone and getting a big bargain!

In the past season, Poole and Wiggins both played the most time in Golden State Warriors, Wiggins played 2,329 minutes, Poole played 2,283 minutes, which shows their importance to Golden State Warriors. Golden State Warriors stayed with $249 million. Wiggins, 27, and Poole, 23, when Curry, Clay, and Dream Chasing are all getting old, the successors of Golden State Warriors, have quietly taken their place.

The Golden State Warriors dropped $249 million and renewed Poole and Wiggins at the same time. We also have to admire the courage of Lakob, the owner of Golden State Warriors. Because, according to the analysis of salary expert Bobby Marks, if Dream Pursuit chooses to implement the option of 27.6 million players in 23-24 season, the total salary of 12 players in Golden State Warriors in 23-24 season will reach 215 million, and the luxury tax will reach 268 million, totaling 483 million. Once there are 14 full players, the total salary and luxury tax will probably exceed 500 million dollars.

Marcus Thompson II, the team reporter of Golden State, published the salary details of Golden State Warriors in the 23-24 season, which confirmed the above statement: Curry 51.9 million, Clay 43.2 million, Poole 28 million (estimated), dream-chasing: 27.6 million (if the player option is implemented), Wiggins 24.3 million, Wiseman 12.1 million, Rooney 7.5 million and Kuminga 60.

If the 14-member roster is completed, the luxury tax that Golden State Warriors will have to pay in 2023-2024 will exceed $275 million, which is higher than the combined salaries of Knicks and Grizzlies this year. As we all know, Lakob, the owner of Golden State Warriors, only spent 450 million dollars when he acquired Golden State Warriors in 2010. The total salary next year will exceed the total value of the team that year. Lakob is really rich and willful!

After renewing Poole and Wiggins at the same time, the salary space of Golden State Warriors can be said to be an unprecedented explosion! What about the next dream catcher Green who is facing a contract renewal? Referring to the first year after the renewal of the contract, the annual salary of Brother Wilkins will be reduced to 24.3 million USD. Dreamcatcher Green must reduce his salary if he wants to stay in Golden State for a long time!

Workplace white-collar workers, after entering the field of technology …

Last year, the Australian government launched a global talent program project, which is GTI, I would like to be unfamiliar, this is an immigrant project. One of this is very eye-catching, that is –fintech.

In the entire Git project,FINTECH is the only direction related to the business sectorAnd, Australia’s demand for talents in this direction is very strong. So,What is FINTECH, why is this talent in this area?

01

Who master Fintech, who can enter a famous enterprise

FINTECH is the abbreviation of financial technology, it is popularUse various types of technological means to innovate reform traditional financial industryProducts, thereby increasing efficiency, reducing operating costs. For example, everyone usually used WeChat payment, Alipay is one of financial technology.

With the rise of artificial intelligence, more and more financial companies have gradually transformed into financial science and technology.Among the top five Internet financial institutions in the world, there are four Chinese companies.That is to say, whoever masters Fintech, who can enter the famous enterprises.

In the "Fintech Development Plan" issued by the People’s Bank of China, the highest planning of future financial science and technology work. And in the "Certified Public Accountant" known as the financial industryCFA, the topic of the Fintech theme, There is no shortage of manual intelligence, machine learning, big data, automated transactions …

02

FINTECH industry salary high, positions

FINTECH is currently used in a variety of industries, borrowings, wealth management, payment services, insurance, credit, housing intermediaries, etc. Because it can replace many traditional financial results,Use intelligence to replace human and material resources, intelligent will be a future trend.

Fintech industry salary is also very high, options, stocks are also available, and you can also get new things and new challenges every day.

Tell you someCurrently popular FINTECH positionsThe block chain is one of the fastest growing skills of financial skills. Therefore, the demand for block chain developers is very large. Other is financial analysts, network security analysts, quantitative analysts, compliance experts, business development managers, etc.

03

Financial background + technology skills two steps

Speaking here,Do you interested in the Fintech industry? So, what skills do you need to enter this industry?First of all, it is definitely a financial background, followed by technology skills. Therefore, entering this industry requires rich financial knowledge, it also requires technical capabilities, such as Java, Python, C ++, etc.

forStudents with computer or financial industry bases, it is very advantageous to enter the Fintech industryIn the advanced, there are these cross-skills, you will learn very quickly. And in China, ant prostitutes, Jingdong finance, etc.

Of course, if you are not a lot of background, it doesn’t matter, you recommend a course for you.Dr. Tsinghua University computerChen Wei explained for everyone"FINTECH Data Analysis and Risk Prediction of Job Search"It will make a case-scented scenic examination for Fintech, and use a communical case such as a loan default, let you seize the essence of Fintech. Now only need0.99Yuan, you can learn from class, quickly sign up, to enter the Fintech industry.

Entering the field of financial science and technology

Cast "Ren Decoir" of the skills interoperability

More than the number of people is more, please wait patiently

04 FINTECH courses five advantages

Advantage 1: Case Site Jinghua Teaching

This course will be targetedFINTECH application scenario case analysis pattern teachingLet you know the Fintech, and know the company’s necessary technology, the company’s must-have technology required in the job search,There are some common machine learning surface test questionsLet you take a while when you interview, calmly face.

Teacher also introduced some of the more interesting Fintech projects to let you form a certain precipitate at the application level.

Advantage 1: Ph.D. in Computer, Tsinghua University

This course is taught by artificial intelligence experts, Dr. Tsinghua Computer, Chen Yu, who is Alibaba Cloud MVP, Tencent Cloud TVP. Multi-year artificial intelligence, data analysis, financial science and technology receive teaching experience, can learn from the students to learn from the students.

He is also a member of the IEEE ACM Member China Artificial Intelligence Association. He has won 2 NOI Competition first prize at the CCF Database Committee, 2 ACM Competition Asian Copper Awards, "Data Analysis" "SQL must know" column author, More than 100,000 fans published multiple SCLs in the artificial intelligence.

Advantage 3: Code practical drive teaching

The course is written in real baseline code, the teacher will take your hand with your hand, Baseline baseline tuning, etc.

The three-day course is gradually entered, just to help you enter the Fintech industry.

Advantage 4: Temcripping + Class Supervision Teaching

In addition to the leading teacher, this training camp.It is also equipped with professional assistant teachers, you have problems encountered in courses or doing homework.You can ask questions in the WeChat group, and the assistant will help you solve it in time.

Every day, you will remind you to go to class, urge you to learn, don’t worry about yourself because inertia doesn’t want to be class.

Advantage 5: Course Outlet Background Rely

This course is provided by the course, starting a class is a online vocational education unicorn company,In 2013, it was officially launched, and the accumulated paid students more than 5 million.For college students and in-service staff, provide diversified curriculum systems and talent services such as professional ability advanced, vocational qualification examinations, and help students achieve sustainable occupational growth.

In the 2020 CCTV Network Education Festival hosted by CCTV,Start a class, win 2020 reputation influence vocational education brands. If you want the workplace, you should first polish your eyes, choose the lead in the industry, and you can’t miss it.

Entering the Fintech industry requires strong knowledge, here is in class, also prepared for everyoneLearning materialsSpree, let you broaden your knowledge.

The information includes: 4 this AI good book and 8 artificial intelligence knowledge maps.

"Artificial Intelligence A Modern Approach Artificial Intelligence – A Modern Method": Artificial intelligence, Mit, Stanford, Harvard, etc. The artificial intelligent textbooks of many famous schools are preferred to expect to become a true artificial intelligence professionals and classmates who accept system training.

"Deep learning: Deep Learnin": From basic statistical and calculus, help master the most advanced depth learning technology. Suitable for classmates who use and want to learn how modern deep learning systems, principles, and methods.

"Handsmanship Machine Learning: HANDS-ON MACHINE Learning": Pure code driver, from theory to the best way to practice, from understanding theory to solve problems. Suitable for students who wish to solve artificial intelligence issues.

"Smooth Python: Fluent Python": Suitable for mastering basic Python programming capabilities, hoping to master more good programming capabilities, becoming a real programming "professional player" classmates.

Entering the field of financial science and technology