Category: General Article

Hot Water Extraction Cleaning

On average, almost all the home owners hire a carpet cleaning professional to get their carpet cleaned at least once per year. When it comes to hiring a carpet cleaning, you will want to learn about the different types of carpet cleaning services they offer. Currently, the most popular carpet cleaning service on demand is the hot water extraction cleaning method.

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Many people confuse hot water extracting cleaning with steam cleaning. The former method uses a very high-temperature water to force out the dirt and debris to so that they can be easily vacuumed with a dry vacuum machine. After that, a water based cleaning solution is applied to the carpet and vacuumed with a wet vacuum machine. In this way, the dirt that remains at the base of the carpet can be easily removed. The dirt is responsible of causing the bad odor on the carpet. The smelly odor is harmful for the health.

This method offers a lot of benefits for the carpet. It is recommended by most carpet manufacturer as the safest and most effective way to eliminate the dirt and stains. Some carpet is cleaned with hot water extraction method because of the material of the fiber. By using this method, you will lower the risk of damaging the carpet.

This method is the most effective cleaning method. Cleaning methods such as dry cleaning and shampooing will still leave behind a lot of dirt in the carpet. With hot water extraction method, it will make your carpet free from the residues. Though you can perform the hot water extraction cleaning by yourself, it is recommended that you hire a carpet cleaning professional to yield a more satisfactory result.

Unlike other cleaning method, hot water extraction method uses non toxic cleaning solvents which are friendly towards the environment. The high heated water and environmentally friendly solution will guarantee that your carpet look as brand new. Before hiring a carpet cleaning service, make sure you perform shopping comparison and read reviews so that you can make an informed decision.… Read More

How to Get Your Home Ready For the Summer Months

As soon as the sun begins to warm things up, people’s thoughts turn to spending time outdoors. If you want your family to be able to enjoy the outdoor space at your house, you may need to make a few improvements so the space is safe and comfortable for everyone. If you have spent previous summers outdoors there is probably already the shell you need to turn your backyard into a great outdoor space. If the space is large enough, you can use it for entertaining.

It will be as if you have expanded your home and added an extra room. Even though you may only be able to use the space for a few months out of the year, it is still a great way to relieve the cramped feeling that a lot of homes get over the years. As people accumulate stuff, your home will eventually feel as if it is not big enough. In addition to the outdoor space being a great way to enjoy summer living, you will want to make sure your indoor rooms are comfortable. There is a good chance there will be at least a few weeks during the summer when it is too hot to enjoy the outdoors. This is exactly when you will need Louisville air conditioning service. If something is not working right, air conditioner installation cost cheaply will make sure you are cool and comfortable all summer long.

Once, the major repairs are done indoors and out, start with making a few small changes in each of your rooms. In the bedroom, you will want to choose lighter sheets in softer colors. If you have been using flannel bedding all winter long, now is the time to pull out the soft cotton bedding. This is sure to keep you cool and allow you to sleep comfortably even on the hottest of nights. In other rooms, use color to cool things off. If you usually have dark, heavy curtains on your windows, swap them out for lighter fabrics that let the long hours of sunshine in all day. You can also change other fabrics like sofa covers and lighter colored pillows. Just by switching a few colors around, you can bring summer indoors.

Once the indoor space is lightened up for summer, move outside and create a great outdoor space. You can add accents to the outdoor space to spruce things up and make it more comfortable. If mosquitoes or bugs are a problem in your area, consider adding citronella candles or torches. If you enjoy the look of fire in your outdoor space, add a fire pit to the area. This is a great way to extend the time you can enjoy the space earlier and later in the season. Even on crisp, cool nights, you can still spend time in your comfortable outdoor space because of the warming glow of the fire. Making your indoor and outdoor spaces comfortable and enjoyable is a wonderful way to enjoy the … Read More

Does Your Dog Bark Too Much? Use My Bark Training Tips to Help Quiet Him Down

I like dogs for the most part, but it aggravates me when the family next door leaves their German Shepherd and Husky out all night to bark and howl at everything they hear. All the noise makes it very difficult to get a good night’s sleep. I don’t understand how it doesn’t bother the owners to listen to it. Does your dog make too much noise? Is he agitating your neighbors also?

Barking dogs themselves are not the problem. The problem is where, when, and how long the dog barks. Dogs typically bark because they’ve been created this way. A baby cries, a dog barks – this is how they communicate. We humans can’t relate. We don’t understand a dog’s language, and because we don’t, we want them to shut up when we feel they’re supposed to.

There’s a reason dogs bark. They bark when they’re happy, but also when they’re scared and bored. They cry when expressing aggression or to tell us to open the door because they have to tinkle. This is a usual barking. Excessive barking usually arises from a failure to communicate with the dog correctly. For example:

We want our dogs to warn us of intruders, but hate for them to bark at strangers while on walks.

We like them to bark when showing their affection towards us when we return home, but we don’t want them to cry when guests come through that same door.

We confuse them. So how can we all get along? Through the use of three simple training tools, we can combat the mad barking a dog does. I’ll refer to these tools as Train Your Barking Dog 101.

A positive trainer doesn’t try to stop the dog barking, but figures out where, when, why and how long the dog barks. The trainer then uses one or more of the following means to combat excessive barking:

1. Remove or block the thing that causes barking from the dog’s view. This can be done with baby gates, crates, or tethers (a rope, chain, or similar restraint for holding an animal in place). Because you’re blocking the trigger, you additionally minimize the barking – out of sight, out of mind.

2. Through the use of operant conditioning (the use of consequences to modify the occurrence and form of behavior), the dog is taught a substitute or different action/behavior. For instance, if your dog barks typically when your mail carrier appears, you’ll show the dog to run under his bed, grab a toy, or lie down. This also alleviates barking.

3. Somewhat different is counter conditioning. Through the use of counter conditioning, you try to change the way the dog feels about whatever is triggering the barking. Using the mail carrier example, with this type of training, you reward the dog with a treat each time the mail carrier appears. The dog stops barking because he knows he will get paid when the mail carrier arrives thus taking a liking when the mail … Read More

The Importance of NEC in a Loan Process and Steps to Apply for the Certificate

A non-encumbrance certificate (NEC) certifies that the property that is being offered to bank as security, is free of any debts. In layman’s words, the NEC certifies that the property in question entirely belongs to the person and not associated with any financial institution or bank. Encumbrance is a cost or charge created on a property, if it is bought with finances borrowed or is offered as a collateral or security for another loan.

Thus, an NEC informs that the property is not mortgaged and is without any burden of debt or security, or other obligation. For instance, if you had taken HDFC loan against property on your house, then you cannot apply for new loan on the mortgaged property, until the property loan is successfully closed. The authority will pass an NEC if the property loan is closed and the property is free of any debts. Otherwise, relevant charges will be filed on the property.

Issuing of an NEC

All the government authorities and financial institutions ask for a non-encumbrance certificate for up to 12 to 30 years. If this certificate is not availed, then banks/NBFCs will not provide you the loan. NEC is issued from the start of a new financial year, i.e. April 1 to March 31, no matter when you apply for the certificate. It is issued in either Form 16 or Form 15.

It is issued in the Form 16, if the property does not have an encumbrance is the specific period. If there are charges on the property, then Form 15 is provided. Form 15 specifies the charges and their nature, registration details, and the registered property documents.

Who Issues an NEC?

It is the Tahsildar (the tax officer and revenue inspectors) who issues the non-encumbrance certificate. These officials secure taxes from a land. These taxes are known as ‘tehsil’ and are relevant to land revenue. Tahsildar is also called the Executive Magistrate of the land with which he or she is associated.

You can get a computerized encumbrance certificate in Andhra Pradesh, Orissa, Telangana, Kerala, Tamil Nadu, Gujarat, Pondicherry, and Karnataka. In other states, you can get only hand-written certificates.

Steps to Apply for a Non-Encumbrance Certificate

Below given is the process to apply for an NEC:

  1. Fix Rs. 2 non-judicial stamp on the Form 22 and send the application, with complete address, to the tahsildar. Give the reason as to why you require the certificate in writing, and attach it with proof of residence such as driving licence/ration card/Aadhar Card, etc.
  2. Provide details of property ownership, such as the property location, survey number, measurements of the property, etc.
  3. Hand over the application with a fee paid annually to the jurisdictional sub-registrar’s office. This office must be the under which the property comes.
  4. The checking process of the report takes about 15 days to 30 days. The tahsildar will review the property report and details of the owner. He/she will issue the NEC, if the report is found favourable.
  5. The non-encumbrance certificate is
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Canva Uncovered: How A Young Australian Kitesurfer Built A $3.2 Billion (Profitable!) Startup Phenom

On a steamy May morning in 2013, Canva CEO Melanie Perkins found herself adrift on a kiteboard in the channel between billionaire Richard Branson’s private Necker and Moskito islands. Her 30-foot sail floating deflated and useless beside her in the strong eastern Caribbean current, the 26-year-old entrepreneur waited for hours to be rescued. As she treaded water, her left leg scarred by a past collision with a coral reef, she reminded herself that her dangerous new hobby was worth it. After all, it was key to the fundraising strategy for the design-software startup she’d cofounded with her boyfriend six years before. Canva was based in Australia, thousands of miles from tech’s Silicon Valley power corridor. Getting a meeting—much less funding—was proving tough. Perkins heard “no” from more than 100 investors. So when she met the organizer of a group of kitesurfing venture capitalists at a pitch competition in her native Perth, Perkins got to training. The next time the group met to hear startup pitches and potentially write crucial early-stage funding checks, she’d have a seat at the table—even if it meant having to brave treacherous waters. “It was like, risk: serious damage; reward: start company,” Perkins says. “If you get your foot in the door just a tiny bit, you have to kind of wedge it all the way in.” Such perseverance has long been a necessity at Canva, which began as a modest yearbook-design business in the state capital of Perth on Australia’s west coast. From those remote origins, Canva has grown into a global juggernaut. Twenty-million-plus users from 190 countries use the company’s “freemium” Web-based app to design everything from splashy Pinterest graphics to elegant restaurant menus. Besides an impossible-to-beat price (millions of users pay nothing at all), Canva’s key advantage over rival products from tech giants like Adobe has been its ease of use. Before Canva, amateurs had to stitch together designs in Microsoft Word or pay through the nose for confusing professional tools. Today, anyone, anywhere, can download Canva and be creating within ten minutes. The company’s revenue comes from upselling to a $10-a-month premium version with snazzier features or, more recently, from sales of a streamlined corporate account option. High-quality stock photos—of which Canva has millions—cost another $1. It adds up. This year the company expects to more than double its revenue to $200 million; its most recent $85 million funding round valued it at $3.2 billion. Perkins, now 32 and an alum of the 2016 Forbes 30 Under 30 Asia list, has an estimated 15% stake, valued at $430 million. Throw in her 34-year-old cofounder—and now fiancé—Cliff Obrecht’s similar stake, and the Aussie power couple are likely worth more than $800 million. In an era of billion-dollar checks from SoftBank and high-profile profligacy at WeWork, Perkins and Obrecht do things differently. They are couch surfers who prefer budget trips to private jets. (This summer, with Canva already valued at… Read More

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Canva Uncovered: How A Young Australian Kitesurfer Built A $3.2 Billion (Profitable!) Startup Phenom

On a steamy May morning in 2013, Canva CEO Melanie Perkins found herself adrift on a kiteboard in the channel between billionaire Richard Branson’s private Necker and Moskito islands. Her 30-foot sail floating deflated and useless beside her in the strong eastern Caribbean current, the 26-year-old entrepreneur waited for hours to be rescued. As she treaded water, her left leg scarred by a past collision with a coral reef, she reminded herself that her dangerous new hobby was worth it. After all, it was key to the fundraising strategy for the design-software startup she’d cofounded with her boyfriend six years before. Canva was based in Australia, thousands of miles from tech’s Silicon Valley power corridor. Getting a meeting—much less funding—was proving tough. Perkins heard “no” from more than 100 investors. So when she met the organizer of a group of kitesurfing venture capitalists at a pitch competition in her native Perth, Perkins got to training. The next time the group met to hear startup pitches and potentially write crucial early-stage funding checks, she’d have a seat at the table—even if it meant having to brave treacherous waters. “It was like, risk: serious damage; reward: start company,” Perkins says. “If you get your foot in the door just a tiny bit, you have to kind of wedge it all the way in.” Such perseverance has long been a necessity at Canva, which began as a modest yearbook-design business in the state capital of Perth on Australia’s west coast. From those remote origins, Canva has grown into a global juggernaut. Twenty-million-plus users from 190 countries use the company’s “freemium” Web-based app to design everything from splashy Pinterest graphics to elegant restaurant menus. Besides an impossible-to-beat price (millions of users pay nothing at all), Canva’s key advantage over rival products from tech giants like Adobe has been its ease of use. Before Canva, amateurs had to stitch together designs in Microsoft Word or pay through the nose for confusing professional tools. Today, anyone, anywhere, can download Canva and be creating within ten minutes. The company’s revenue comes from upselling to a $10-a-month premium version with snazzier features or, more recently, from sales of a streamlined corporate account option. High-quality stock photos—of which Canva has millions—cost another $1. It adds up. This year the company expects to more than double its revenue to $200 million; its most recent $85 million funding round valued it at $3.2 billion. Perkins, now 32 and an alum of the 2016 Forbes 30 Under 30 Asia list, has an estimated 15% stake, valued at $430 million. Throw in her 34-year-old cofounder—and now fiancé—Cliff Obrecht’s similar stake, and the Aussie power couple are likely worth more than $800 million. In an era of billion-dollar checks from SoftBank and high-profile profligacy at WeWork, Perkins and Obrecht do things differently. They are couch surfers who prefer budget trips to private jets. (This summer, with Canva already valued at… Read More

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Canva Uncovered: How A Young Australian Kitesurfer Built A $3.2 Billion (Profitable!) Startup Phenom

On a steamy May morning in 2013, Canva CEO Melanie Perkins found herself adrift on a kiteboard in the channel between billionaire Richard Branson’s private Necker and Moskito islands. Her 30-foot sail floating deflated and useless beside her in the strong eastern Caribbean current, the 26-year-old entrepreneur waited for hours to be rescued. As she treaded water, her left leg scarred by a past collision with a coral reef, she reminded herself that her dangerous new hobby was worth it. After all, it was key to the fundraising strategy for the design-software startup she’d cofounded with her boyfriend six years before. Canva was based in Australia, thousands of miles from tech’s Silicon Valley power corridor. Getting a meeting—much less funding—was proving tough. Perkins heard “no” from more than 100 investors. So when she met the organizer of a group of kitesurfing venture capitalists at a pitch competition in her native Perth, Perkins got to training. The next time the group met to hear startup pitches and potentially write crucial early-stage funding checks, she’d have a seat at the table—even if it meant having to brave treacherous waters. “It was like, risk: serious damage; reward: start company,” Perkins says. “If you get your foot in the door just a tiny bit, you have to kind of wedge it all the way in.” Such perseverance has long been a necessity at Canva, which began as a modest yearbook-design business in the state capital of Perth on Australia’s west coast. From those remote origins, Canva has grown into a global juggernaut. Twenty-million-plus users from 190 countries use the company’s “freemium” Web-based app to design everything from splashy Pinterest graphics to elegant restaurant menus. Besides an impossible-to-beat price (millions of users pay nothing at all), Canva’s key advantage over rival products from tech giants like Adobe has been its ease of use. Before Canva, amateurs had to stitch together designs in Microsoft Word or pay through the nose for confusing professional tools. Today, anyone, anywhere, can download Canva and be creating within ten minutes. The company’s revenue comes from upselling to a $10-a-month premium version with snazzier features or, more recently, from sales of a streamlined corporate account option. High-quality stock photos—of which Canva has millions—cost another $1. It adds up. This year the company expects to more than double its revenue to $200 million; its most recent $85 million funding round valued it at $3.2 billion. Perkins, now 32 and an alum of the 2016 Forbes 30 Under 30 Asia list, has an estimated 15% stake, valued at $430 million. Throw in her 34-year-old cofounder—and now fiancé—Cliff Obrecht’s similar stake, and the Aussie power couple are likely worth more than $800 million. In an era of billion-dollar checks from SoftBank and high-profile profligacy at WeWork, Perkins and Obrecht do things differently. They are couch surfers who prefer budget trips to private jets. (This summer, with Canva already valued at… Read More

sample accessily post 3

Canva Uncovered: How A Young Australian Kitesurfer Built A $3.2 Billion (Profitable!) Startup Phenom

On a steamy May morning in 2013, Canva CEO Melanie Perkins found herself adrift on a kiteboard in the channel between billionaire Richard Branson’s private Necker and Moskito islands. Her 30-foot sail floating deflated and useless beside her in the strong eastern Caribbean current, the 26-year-old entrepreneur waited for hours to be rescued. As she treaded water, her left leg scarred by a past collision with a coral reef, she reminded herself that her dangerous new hobby was worth it. After all, it was key to the fundraising strategy for the design-software startup she’d cofounded with her boyfriend six years before. Canva was based in Australia, thousands of miles from tech’s Silicon Valley power corridor. Getting a meeting—much less funding—was proving tough. Perkins heard “no” from more than 100 investors. So when she met the organizer of a group of kitesurfing venture capitalists at a pitch competition in her native Perth, Perkins got to training. The next time the group met to hear startup pitches and potentially write crucial early-stage funding checks, she’d have a seat at the table—even if it meant having to brave treacherous waters. “It was like, risk: serious damage; reward: start company,” Perkins says. “If you get your foot in the door just a tiny bit, you have to kind of wedge it all the way in.” Such perseverance has long been a necessity at Canva, which began as a modest yearbook-design business in the state capital of Perth on Australia’s west coast. From those remote origins, Canva has grown into a global juggernaut. Twenty-million-plus users from 190 countries use the company’s “freemium” Web-based app to design everything from splashy Pinterest graphics to elegant restaurant menus. Besides an impossible-to-beat price (millions of users pay nothing at all), Canva’s key advantage over rival products from tech giants like Adobe has been its ease of use. Before Canva, amateurs had to stitch together designs in Microsoft Word or pay through the nose for confusing professional tools. Today, anyone, anywhere, can download Canva and be creating within ten minutes. The company’s revenue comes from upselling to a $10-a-month premium version with snazzier features or, more recently, from sales of a streamlined corporate account option. High-quality stock photos—of which Canva has millions—cost another $1. It adds up. This year the company expects to more than double its revenue to $200 million; its most recent $85 million funding round valued it at $3.2 billion. Perkins, now 32 and an alum of the 2016 Forbes 30 Under 30 Asia list, has an estimated 15% stake, valued at $430 million. Throw in her 34-year-old cofounder—and now fiancé—Cliff Obrecht’s similar stake, and the Aussie power couple are likely worth more than $800 million. In an era of billion-dollar checks from SoftBank and high-profile profligacy at WeWork, Perkins and Obrecht do things differently. They are couch surfers who prefer budget trips to private jets. (This summer, with Canva already valued at… Read More

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China’s Richest 2019: Growing Consumer Appetite Boosts Fortunes Of Nation’s Wealthiest

This story is part of Forbes’ coverage of China’s Richest 2019.

The headlines from China in the past year have been gloomy. Trade friction with the U.S. has risen, while GDP growth in the world’s second-largest economy slowed to a near three-decade low of 6%. Happily for the country’s wealthiest, however, there’s more good news than bad among the members of our list of China’s richest.

The total wealth of the 400 members of the China Rich List rose by more than a fifth from a year ago, to $1.29 trillion, as China’s consumers spent more on everything and spent more of it online. More than half the listees saw their fortunes climb in the past year, while a quarter saw their fortunes fall. The minimum net worth needed to make the list this year was $1 billion, back to 2017’s threshold, after dropping in 2018 to $840 million. There were 60 newcomers to the list; returnees made up most of the rest.

Topping the list for a second year is Jack Ma, who recently resigned as chairman of the e-commerce giant he co-founded, Alibaba, to focus on philanthropy. Ma’s fortune rose to $38.2 billion from $34.6 billion a year earlier as New York-listed Alibaba gained on China’s e-commerce boom. Second and third on the list: Tencent CEO Huateng “Pony” Ma, with a fortune worth $36 billion, and Evergrande Group Chairman Hui Ka Yan, worth an estimated $27.7 billion, their ranks are unchanged from last year.

Growing fortunes in online shopping appear throughout the list. Colin Huang, CEO of e-commerce site Pinduoduo, saw his estimated net worth soar to $21.2 billion from $11.25 billion last year as Pinduoduo gained on rival JD.com. Entrepreneurs who provide services tied to e-commerce also did well: Lai Meisong, CEO of Alibaba-backed express delivery firm ZTO, saw his fortune climb to $4.6 billion from $3.35 billion.

Pharmaceutical and healthcare fortunes are also benefitting as rising incomes enable Chinese to spend more on healthcare. Sun Piaoyang, chairman of Jiangsu Hengrui Medicine, moved up to No. 4 with a fortune of $25.8 billion. He shares that spot with his wife Zhong Huijuan. The two gained on growing business at Sun’s Hengrui as well as a Hong Kong IPO by Zhong-led company Jiangsu Hansoh Pharmaceutical. Li Xiting, chairman of medical equipment supplier Shenzhen Mindray Bio-Medical Electronics, also moved up to about $8.5 billion from $1.8 billion as its shares soared after the company relisted its shares at home in China following its 2016 delisting from the New York Stock Exchange.

Sportswear maker Anta Sports’ Hong Kong-listed shares have more than doubled in the past year, helping propel the fortune of its two leaders—brothers Ding Shizhong and Ding Shijia—up by almost 150% to $5.6 and $5.5 billion, respectively. Two Anta executives also landed on the list for the first time: CFO Lai Shixian, a Ding brother-in-law, at $1.4 billion and Wang Wenmo, a family cousin who manages Anta’s … Read More

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China’s Richest 2019: Growing Consumer Appetite Boosts Fortunes Of Nation’s Wealthiest

This story is part of Forbes’ coverage of China’s Richest 2019.

The headlines from China in the past year have been gloomy. Trade friction with the U.S. has risen, while GDP growth in the world’s second-largest economy slowed to a near three-decade low of 6%. Happily for the country’s wealthiest, however, there’s more good news than bad among the members of our list of China’s richest.

The total wealth of the 400 members of the China Rich List rose by more than a fifth from a year ago, to $1.29 trillion, as China’s consumers spent more on everything and spent more of it online. More than half the listees saw their fortunes climb in the past year, while a quarter saw their fortunes fall. The minimum net worth needed to make the list this year was $1 billion, back to 2017’s threshold, after dropping in 2018 to $840 million. There were 60 newcomers to the list; returnees made up most of the rest.

Topping the list for a second year is Jack Ma, who recently resigned as chairman of the e-commerce giant he co-founded, Alibaba, to focus on philanthropy. Ma’s fortune rose to $38.2 billion from $34.6 billion a year earlier as New York-listed Alibaba gained on China’s e-commerce boom. Second and third on the list: Tencent CEO Huateng “Pony” Ma, with a fortune worth $36 billion, and Evergrande Group Chairman Hui Ka Yan, worth an estimated $27.7 billion, their ranks are unchanged from last year.

Growing fortunes in online shopping appear throughout the list. Colin Huang, CEO of e-commerce site Pinduoduo, saw his estimated net worth soar to $21.2 billion from $11.25 billion last year as Pinduoduo gained on rival JD.com. Entrepreneurs who provide services tied to e-commerce also did well: Lai Meisong, CEO of Alibaba-backed express delivery firm ZTO, saw his fortune climb to $4.6 billion from $3.35 billion.

Pharmaceutical and healthcare fortunes are also benefitting as rising incomes enable Chinese to spend more on healthcare. Sun Piaoyang, chairman of Jiangsu Hengrui Medicine, moved up to No. 4 with a fortune of $25.8 billion. He shares that spot with his wife Zhong Huijuan. The two gained on growing business at Sun’s Hengrui as well as a Hong Kong IPO by Zhong-led company Jiangsu Hansoh Pharmaceutical. Li Xiting, chairman of medical equipment supplier Shenzhen Mindray Bio-Medical Electronics, also moved up to about $8.5 billion from $1.8 billion as its shares soared after the company relisted its shares at home in China following its 2016 delisting from the New York Stock Exchange.

Sportswear maker Anta Sports’ Hong Kong-listed shares have more than doubled in the past year, helping propel the fortune of its two leaders—brothers Ding Shizhong and Ding Shijia—up by almost 150% to $5.6 and $5.5 billion, respectively. Two Anta executives also landed on the list for the first time: CFO Lai Shixian, a Ding brother-in-law, at $1.4 billion and Wang Wenmo, a family cousin who manages Anta’s … Read More