tag:blogger.com,1999:blog-36640924387659212302023-11-16T04:09:42.772-08:00太甜了會膩不是嗎太甜了會膩不是嗎http://www.blogger.com/profile/08282413195608263126noreply@blogger.comBlogger16125tag:blogger.com,1999:blog-3664092438765921230.post-55793287332401918102023-10-18T23:09:00.004-07:002023-10-18T23:30:55.732-07:00隨著旅遊業的發展和人們旅遊意識的提高,越來越多的人選擇購買旅遊保險,以保護自己的安全和權利<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjCzCs1y6EAJQ-oLiStgWr683R9aq0GsHREkq_JXNQV6Rtb4FneMGRtKdc0DZxQ9_bDIoxYbardYPjDkGW5rygkUqWvCUK3FqmZsn2Qbg9zuWW9pS6EfDw_y1W7HATgIPk8PMfvJ2ANbVD1bjfFZfAtTflmTqxWY4PnPaSVNyp16ZorSw_Ibc3ng1U8BL4/s1349/1857203060631142414.jpeg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="900" data-original-width="1349" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjCzCs1y6EAJQ-oLiStgWr683R9aq0GsHREkq_JXNQV6Rtb4FneMGRtKdc0DZxQ9_bDIoxYbardYPjDkGW5rygkUqWvCUK3FqmZsn2Qbg9zuWW9pS6EfDw_y1W7HATgIPk8PMfvJ2ANbVD1bjfFZfAtTflmTqxWY4PnPaSVNyp16ZorSw_Ibc3ng1U8BL4/s320/1857203060631142414.jpeg" width="320" /></a></div><br /><p></p><p>如今,隨著旅遊業的發展和人們旅遊意識的提高,越來越多的人選擇購買旅遊保險,以保護自己的安全和權利,網上旅遊保險。與傳統的保險購買方式相比,<a href="https://www.awm.com.hk/blog-hot/annual-travel-insurance" style="color: black; text-decoration-line: none;">全年旅遊保險邊間好</a>網上旅遊保險的出現為人們提供了更加方便、靈活的選擇。本文將就網上旅遊保險的優勢和需要注意的事項進行討論,以幫助人們更好地購買旅遊保險。</p>
<p>首先,網上旅遊保險的優勢主要體現在以下幾個方面:</p>
<p>一是價格更為優惠。相比於傳統的保險渠道,網上旅遊保險通常需要具有更為優惠的價格,因為其省去了一個代理人的中間環節和相關費用,能夠直接降低保險費用。此外,網上保險商家為了吸引學生更多的消費者,還會推出各種優惠活動和折扣。</p>
<p>第二,購買過程更加方便。網上購買旅遊保險流程簡單明了,只需在保險公司的官方網站或第三方保險網站上填寫相關信息,即可完成購買。消費者可以隨時隨地在網上購物,不受時間和地點的限制,非常方便。</p>
<p>第三,保險范圍更廣。在線旅遊保險通常有更多的險種和保障范圍,可以滿足不同消費者的需求。比如一些網上的旅遊保險還包含了專門的保險,比如滑雪險、潛水險等。</p>
<p>雖然網上旅遊保險有很多優點,但在購買時還是需要注意以下幾點:</p>
<p>首先,仔細閱讀保險條款。購買在線旅遊保險時,一定要仔細閱讀保險條款,了解保險范圍、保險期限、賠償金額等相關信息。不要相信廣告,仔細比較不同保險公司的保險條款和價格,選擇最適合自己的保險方案。</p>
<p>二是仔細填寫個人信息。在填寫購買信息時,一定要仔細核對個人信息的准確性,以免在賠償時因為填寫信息有誤而受到損失。同時,購買時還要提供相關證件的複印件或掃描件,確保購買信息的真實性和完整性。</p>
<p>第三,了解支付過程。在網上購買旅遊保險時,要仔細了解保險公司的付款流程和注意事項。發生事故時,及時與保險公司聯系,提供必要的證明文件和相關資料,以便盡快獲得賠償。</p>
<p>四是注意除外條款。在購買網上旅遊保險時,一定要注意免責條款,弄清楚哪些情況不在保障范圍內,以免發生意外時無法獲得賠償。</p>
<p>綜上所述,網上旅遊保險雖然有很多優勢,但在購買時要慎重。消費者在購買保險前,應仔細閱讀保單,了解保險的涵蓋范圍和預防措施,並在填寫購買資料時仔細檢查個人信息的准確性,以免在賠償方面出現不必要的麻煩。此外,選擇正規的保險公司是購買網上旅遊保險的重要保障。只有選擇高質量的保險公司,才能真正享受旅途的安全與心靈的寧靜旅行的樂趣。</p><p><br /></p><p>相關文章:</p><p></p><p>
</p><p><a href="https://wow.esdlife.com/space.php?uid=31006&do=blog&id=468451" style="color: black; text-decoration-line: none;">如今,越來越多國家的人選擇通過網上預訂機票、酒店和旅遊線路來安排學生自己的旅行計劃
</a></p><p></p><p>
</p><p><a href="https://mypaper.pchome.com.tw/vcvsdfg/post/1381704024" style="color: black; text-decoration-line: none;">一份投資,安心:旅遊保險值得擁有!
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</p><p><a href="https://wengqaq.pixnet.net/blog/post/226770268" style="color: black; text-decoration-line: none;">選擇旅遊保險,為您的旅程增添一份心靈的安寧和保障! </a></p>太甜了會膩不是嗎http://www.blogger.com/profile/08282413195608263126noreply@blogger.com0tag:blogger.com,1999:blog-3664092438765921230.post-74232059913957509342022-06-20T04:33:00.002-07:002022-06-20T04:33:17.999-07:00贷款还款方式如何选;贷款还款方式的差别<p></p><div class="separator" style="clear: both; text-align: center;"><br /></div><br /> <div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj6KgNrmOayN9oC4u86AYsNU1kyhz02UnziboxlijaRwTwrjhEM-oq8XdavDOwrBUAdF53Q66iMgpoGmKIEfwYqqgpsQbTOg5tEF0N6HM3MaywSXC_6Lhg0AxfEwSg6LouOXGryO1GR0E2HzZycZnM3KHVa6l5dmwwtQOESKFtloPQ5Uf8QMjwoxO-g/s640/35.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="426" data-original-width="640" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj6KgNrmOayN9oC4u86AYsNU1kyhz02UnziboxlijaRwTwrjhEM-oq8XdavDOwrBUAdF53Q66iMgpoGmKIEfwYqqgpsQbTOg5tEF0N6HM3MaywSXC_6Lhg0AxfEwSg6LouOXGryO1GR0E2HzZycZnM3KHVa6l5dmwwtQOESKFtloPQ5Uf8QMjwoxO-g/s320/35.jpg" width="320" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><br /></div><p></p><p><span style="color: #444444;">一購房者的個人征信記錄:金融機構會讓買房顧客給予購房者個人征信報告,是否有呆帳,或是貸款逾期等,是不是上貸款銀行紀錄</span><a href="https://www.welend.hk/products/balance-transfer"><span style="color: black;">清數</span></a><span style="color: #444444;">信用黑名單,關鍵看2年和5年之內個人征信報告。</span></p><p><span style="color: #444444;">二首付款由來:金融機構針對首付款由來查得或是非常嚴謹的,理論上只有是自籌資金或是直系血親擁有的自籌資金。</span></p><p><span style="color: #444444;">三個人收入證明和銀行流水單:一般來說金融機構會讓買房者給予借款月還款期的2倍的個人收入證明和銀行流水單。</span></p><p><span style="color: #444444;">四借款一般狀況底下3種方法:</span></p><p><span style="color: #444444;">1.純公積金房貸</span></p><p><span style="color: #444444;">2.組合貸</span></p><p><span style="color: #444444;">3.純商貸</span></p><p><span style="color: #444444;">因為貨款利率不一樣,優選公積金房貸,其次組合貸,最終挑選商貸</span></p><p><span style="color: #444444;">五常見的個人貸款的貸款還款方式</span></p><p><span style="color: #444444;">1.等額本金:等額本息的還貸方式為<a href="https://www.llgo.com/mine?lang=zh-cn"><span style="color: #444444;">礦箱</span></a>每月的最低還款額度固定不動一致的</span></p><p><span style="color: #444444;">2.等額本息:等額本金的還貸方式為每月還款期度是逐漸減少的</span></p><p>
</p><p><span style="color: #444444;">等額本息方法,還款期度每月固定不動,可是在年利率同樣,貸款期限同樣的情形下,借款總貸款利息比照於等額本金要多;等額本金每一個月的償還本錢同樣,貸款利息下降,總的貸款利率低於等額本息的貸款還款方式,可是還錢的起始環節,還貸工作壓力稍大,且在借款全過程中需的備受證實和銀行流水單大量。</span></p><p><span style="color: #444444;"><br /></span></p><p><span style="color: #444444;"><br /></span></p><p><span style="color: #444444;">相關文章:</span></p><p><a href="https://dadaxing.animech.net/Entry/59/"><span style="color: #444444;">クレジットローン、ネットローン、質権付きローンの選び方</span></a></p><p><a href="https://www.dclog.jp/en/8600364/576793254"><span style="color: #444444;">金融機関は、ワーキングマネーの法定代理人の連帯責任について定めている</span></a></p><p><a href="https://plaza.rakuten.co.jp/theyenable/diary/202206200000/"><span style="color: #444444;">借り入れはよくわからないし、お金を増やしたくない?</span></a></p><div><br /></div>太甜了會膩不是嗎http://www.blogger.com/profile/08282413195608263126noreply@blogger.com0tag:blogger.com,1999:blog-3664092438765921230.post-66727253710382447642022-06-19T23:27:00.000-07:002022-06-19T23:27:01.723-07:00IPO是什么意思?<p> <br /><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiuYVKqYzaIP4O57glwb30up5_9lZmrhbVtzL7xFOyoL1kHBJeGYHdudbRtPO-08hIYpoPuWY4SQz2I02udgLB6P4PYeszrHl636g4asQVCAl8y_etTUStb0x-59RvrJseaL2qr9_a5Q_gT5ail94X9vTiTiUst5KLH-4ZrK09eFiscAvbzGR5VzQOr/s640/6.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="427" data-original-width="640" height="214" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiuYVKqYzaIP4O57glwb30up5_9lZmrhbVtzL7xFOyoL1kHBJeGYHdudbRtPO-08hIYpoPuWY4SQz2I02udgLB6P4PYeszrHl636g4asQVCAl8y_etTUStb0x-59RvrJseaL2qr9_a5Q_gT5ail94X9vTiTiUst5KLH-4ZrK09eFiscAvbzGR5VzQOr/s320/6.jpg" width="320" /></a></div><br />
<p><span><span style="color: #444444;">IPO是首次公開募集股票(InitialPublicOffering)英文單詞的縮寫,是指一家企業第一次將它的股份向公眾出售,也就是俗稱的上市。在中國上市公司是比較稀缺的存在,原因在於公司上市要經過多道程序,非常花費時間,同時證監會會根據市場行情確定每年上市公司數量</span><a href="https://hk.news.yahoo.com/周焯華旗下太陽國際-08029-62-82-易手至鄭丁港-014901023.html" style="text-decoration: none;"><span style="color: #444444;">鄭丁</span><span style="color: black;">港</span></a>(</span><span style="color: #444444;">如果某年股市表現很差,那么今年上市公司數量就會較少,避免對市場造成進一步壓力,甚至還出現過暫停IPO的時期),因此上市公司要想成功上市快則幾個月,慢則好幾年,即便如此最後仍然有上市失敗的可能。</span></p>
<p><span style="color: #444444;">同時在中國上市公司退市又非常難,2021年共有</span><span style="color: black;"><a href="https://fortuneinsight.com/web/instant-news/1165923/國際|att-verizon拒絕延遲開通新5g網絡/" style="text-decoration: none;"><span style="color: black;">鄭丁港</span></a>2</span><span style="color: #444444;">0家上市公司從A股市場退市,包括3家主動退市和17家強制退市,這個退市數量已經是曆史新高,但是和每年幾百家新上市公司相比仍舊微不足道,以至於中國股市出現了一個神奇的概念叫做公司的殼價值,也就是上市公司的業績非常差甚至虧錢但是因為上市公司的身份,估值就能達到幾十億。這也是很多公司想上市的原因。另外一個原因就是公司上市後融資渠道大大拓寬,能夠為公司發展帶來先發優勢。</span></p>
<p><span style="color: #444444;">那么為什么有些新股上市後會大幅上漲?我覺得原因主要有下面幾點</span></p>
<p><span style="color: #444444;">1.新股定價過低,新股上市時有一個市盈率指導價,一是新股發行市盈率不超過23倍(只是一個指導性規定,像一些科創版新股市盈率就大幅超過23倍</span><a href="https://hk.on.cc/hk/bkn/cnt/entertainment/20220330/bkn-20220330090008999-0330_00862_001.html" style="text-decoration: none;"><span style="color: black;">鄭丁港</span></a>)<span style="color: #444444;">,二是新股發行市盈率不超過同行業平均市盈率。因此很多新股的市盈率都是在23左右,再加上剛上市募集資金帶來的發展機遇很容易造成新股持續上漲一段時間。</span></p>
<p><span style="color: #444444;">2.流動股票稀缺,發行的新股只占總股本的一部分,發行前的股票還不能上市流通(俗稱限售股)因此短期內會造成供需不平衡,使得新股成為受追捧的對象。</span></p>
<p><span style="color: #444444;">3.發行新股時股市環境,如果發行新股時股市環境較好,這個時候新股容易受人追捧,造成短期內大幅上漲。</span></p>
<p><span style="color: #444444;">4.過去一直存在的傳統,新股發行采用餘額包銷制使得新股發行是不可能失敗的,不會失敗的新股發行,就會使得大家覺得新股供不應求。不像香港股市和美國股市,經常發生新股跌破發行價,經常發生很多新股發行失敗的情況。</span></p>
<p><span style="color: #444444;">但是凡事都有例外,例如前段時間罕見地出現了科創板新股大面積破發的情形,原因是科創板允許未盈利企業上市,同時對於盈利的新股,市盈率又遠遠超過23倍的指導規定,再加上股票市場的低迷,造成了這個不常見的破發現象,因此對於沒有盈利和高市盈率的新股要慎重打新。同時新股上市後一段時間內極不穩定,對於新手來講慎重參與次新股。</span></p>
<p><span style="color: #444444;">最後再簡單說下新股上市首日漲跌幅限制</span></p>
<p><span style="color: #444444;">滬深主板股票:上市首日最高漲幅不超過44%,最大跌幅不超過36%。第2日開始漲跌幅限制為10%</span></p>
<p><span style="color: #444444;">創業板和科創板上市5日內無漲幅限制,5日之後漲跌幅限制為20%,創業板和科創板的風險高於主板和中小板,因此開通時對於客戶的資金有要求。</span></p>
<p><span style="color: #444444;">相關文章:</span></p>
<p><a href="https://plaza.rakuten.co.jp/figurestyle/diary/202206170000/" style="text-decoration: none;"><span style="color: #444444;">巨人がIPOを加速させる中、明日のA株はどうなる?</span></a></p>
<p><a href="https://lovecantouch.tamaliver.jp/e489967.html" style="text-decoration: none;"><span style="color: #444444;">IPOをする理由は何ですか? お布施とどう違うのですか?</span></a></p>
<p><a href="https://feed.babyhome.com.tw/896780/notes/62b00fb7b97e7f9fcb012cdc" style="text-decoration: none;"><span style="color: #444444;">股票交易市場和交易方式</span></a></p>
太甜了會膩不是嗎http://www.blogger.com/profile/08282413195608263126noreply@blogger.com0tag:blogger.com,1999:blog-3664092438765921230.post-11925680713189979592020-10-20T20:27:00.004-07:002020-10-20T20:27:42.666-07:00被子是我們必不可少的生活用品<p> </p><p><img height="393" src="//public.muragon.com/d7alwf6u/stzjrket.jpg?dummy=1603247371193" width="485" /></p><p>生活方式至少有一個三分之一是在床上度過的,被子是我們必不可少的生活用品,床單被罩也是一樣的,但是現在市場上有很多患者床上活動用品,圖案也很多,那麼材料是什麼呢? 購買時需要我們注意到了哪些問題? 最常見的是棉質,重量輕,面料很輕薄透氣,這種面料床上的亞麻被更受消費者歡迎,而且在價格上也不是很貴。家裏有孩子的家長也會選擇四件套的純棉,不會讓孩子痱子,在冬天皮膚幹燥時不會起靜電,適合四季可以使用。絲綢四件套近年來也很流行,但價格有點貴,顏色很漂亮,豪華高貴,更適合歐式裝飾,絲綢四件套感覺很柔軟,但洗後會有一點收縮,不是很嚴重。</p>雅芳婷全棉系列專為現代年青一群而設計的床上用品,簡約清新的圖案,活潑鮮艷的色彩,優質100%全棉,深受時下青年的喜愛。包含有<a href="https://www.afontane.com/pages/more-than-silk" style="color: #222222; text-decoration: none;">床單</a>,床笠,床褥等。睡眠充足享受,讓你快速入眠心好舒心。
<p>在現代,溫暖的平房和有冷床的公寓裏,溫暖不是什么大問題。您可以添加毯子,被子或衣服,以保持溫暖,而不必遵循床單。但如果你的浴室很冷,棉被是最好的選擇。在寒冷的臥室裏,當你第一次上床睡覺時,法式和藍色的床單不會感到不舒服的寒冷。它們通常比棉花暖和。最冷的床是簡單的亞麻布,梳得很酷。一般來說,更好更輕的床單比更重的床單更快。冬天睡覺的時候很冷,</p>
<p>但是一旦你暖和起來,你可以在床上放一個熱水瓶來提高溫度,特別是在你的腳上。電熱毯也是這樣,但你得記得關掉電源。裝飾性針腳、裝飾性針腳可以劃傷枕套、床單上的感覺,使其不舒服或形成凸起。購買枕套時,請注意繡花的亞麻布、花邊或剪裁好的繡品是否能夠觸摸到你的臉部。用枕頭睡覺可以用普通枕頭,漂亮的枕套裝飾枕頭留下。簡單的側縫不會影響接縫水平的舒適性,但穿著比枕頭的其餘部分快。</p>
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<p><a href="https://ameblo.jp/cvkkyut/entry-12632914508.html" style="color: #222222; text-decoration: none;">絨布和編織材料相對柔軟但不新鮮</a></p>太甜了會膩不是嗎http://www.blogger.com/profile/08282413195608263126noreply@blogger.com0tag:blogger.com,1999:blog-3664092438765921230.post-3566431753529709542020-10-15T01:48:00.001-07:002020-10-15T01:48:14.683-07:00影響有健康的免疫力<p> </p><img height="225" src="https://public.muragon.com/86vbtxgl/1ftqie36.jpg?dummy=1602748598866" style="background-color: white; border-style: none; box-sizing: border-box; color: #333333; display: block; font-family: "Noto Sans TC", sans-serif, Helvetica; font-size: 18px; letter-spacing: 2px; max-width: 100%; padding: 8px 0px; vertical-align: middle; white-space: pre-wrap;" width="225" /><p>具體來說,這些影響有健康的免疫力。抗感染,預防流感等致病病毒或細菌感染,排斥侵入的異物身體。老化或疾病的預防,免疫系統可被激活的代謝,預防或減少細胞和組織的老化的功能,破壞。此外,它具有防止皮膚粗糙的效果。產生抗體,所述主體被確定為區分不同細胞癌細胞,病毒,細菌等,並能產生抗病毒的抗體。預防癌症,突變的癌細胞在人體內發現的,被攻擊,排除。</p>這一家有著350年發展歷史的同仁堂,也將用上乘的孢子粉製作出優質的破壁<a style="color:#222222;text-decoration:none;" href="https://cm.tongrentang.com/menu321/detail/155.html">靈芝孢子粉</a>,帶給消費者良好的滋補強身,增強免疫力等效果。
<p>維持健康,幫助人體從疲勞中快速發展恢複,有助於恢複治療疾病或傷口等,也使身體能更承受壓力。免疫力如何通過提高?總是聽說免疫力差,需要不斷提高。可具體問題應該怎樣可以提高呢?保證優質睡眠,有研究結果表明,人進入睡眠狀態後,各種有益於增強自身免疫力功能的作用分析過程便隨即開始。長期的睡眠不足可能存在會對身體造成嚴重損害,比如思考創新能力減退、警覺力和判斷力的下降,免疫細胞功能低下等。</p>
<p>溫馨提示,最好的成年人可以有7?8小時的睡眠。如果一直睡眠不好所困擾,記得要采取措施哦!經常鍛煉,熱衷於現代城市生活,忙於事業,鍛煉的時間越來越少。加強自運動可以提高人體的抗病能力。運動能緩和情緒,也能減輕壓力。有氧運動中的各種健康的好處。成年人可以保證的三倍最好的運動頻率每周,每一個鍛煉鍛煉至少30分鍾以上。中年人可以在周末去郊遊,老年人的慢性疾病應該有適度的體育鍛煉,以避免對心髒的負擔過重,可以散步,打太極拳等運動方式。</p>
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<p><a style="color:#222222; text-decoration:none;" href="https://zouxiaqu.pixnet.net/blog/post/225066965-health">想在這裏提高免疫力了?</a></p>太甜了會膩不是嗎http://www.blogger.com/profile/08282413195608263126noreply@blogger.com0tag:blogger.com,1999:blog-3664092438765921230.post-69567687835092827432020-10-09T01:44:00.003-07:002020-10-09T01:44:33.721-07:00最新小白刷卡心得!<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgoSNBKC_trESBNwHg4yK8VCx3_VfogOWNacVRYEEza2jhePK-kJQNvUNelKJsgOJ2nZJGY-E_qM90fWyt2z5qpBzRanNbFHa3IQeDkDFU10_3PIScu1y_NjOmq6585XegMb3WuMgOxK24/s680/01.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="382" data-original-width="680" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgoSNBKC_trESBNwHg4yK8VCx3_VfogOWNacVRYEEza2jhePK-kJQNvUNelKJsgOJ2nZJGY-E_qM90fWyt2z5qpBzRanNbFHa3IQeDkDFU10_3PIScu1y_NjOmq6585XegMb3WuMgOxK24/s320/01.jpg" width="320" /></a></div><p>信用卡的要求也在尋求質量。許多剛剛開始使用的卡片都是用信用卡號碼處理得更好,更多的信用卡總數更高,但信用卡的質量比數量更重要。卡過了相應的責任會很高,而且卡的數量會影響籌到的金額,申請新卡,得不償失。多樣化的信用卡網站。小消費無所謂,但不買奢侈品,如信用卡購買或長期存放在大型商場。綁定借記卡支付,很多人都喜歡綁定第三方支付平台,比如寶來自動還款,但如果想提一下,可以綁定銀行借記卡信用卡的數量,不僅提高了銀行審計師的好感。還增加了每月借記卡流水。</p>如果說商戶對於現有的<a href="https://www.eps.com.hk/chi/merch_home_pos.html" style="color: #222222; text-decoration: none;">香港 pos 機申請</a>不滿意,想要量身定制一個更適合自己商鋪的碌卡刷卡機,也是完全沒有問題的,易辦事具有一支專業的技術團隊,能夠根據商戶要求設計出來經濟實用的卡機,滿足商戶更優質收款的工作。
<p>找個管家吧。用手機管家無限期地辦理賬單,只需用卡的餘額進行賬單循環,每月只需花費78元/1萬元,每個實際消費、在線和離線組合、筆與分,讓銀行主動查找取款金額。注意的賬戶級別。如上所述,信用卡還款應使用您的銀行的借記卡。記住,借記卡也是分級的,如果沒有家庭成員或朋友有更高的水平(如白金客戶) ,可以與朋友協商與發展高檔銀行卡綁定還款,金額是非常有幫助的。信用額度,取款金額不是每月最高,這會使銀行認為消費能力高於還款能力,每家銀行的每月消費金額和固定金額的比率要求不同,一般在50%-80% 之間,每月收費超過30次,由於大多數銀行每三個月取款一次,每三個月最高可以刷卡。</p>
<p>了解注銷卡,持卡人有些人可能會認為成功地申請信用卡,並注銷為何登錄?事實上,對於一些長期使用頻率低,注銷信用卡少量,該卡可以降低負債率的朋友。四大國有銀行有一張卡,雖然銀行很為她驕傲,但一旦的卡,即使金額不高,但它揭示了一個合格的持卡人。小明最近申請了一張信用卡阿姨5000(工商銀行信用卡),並期待著立管母卡就能提出驚喜後的六個月。信用卡和U盾,很多持卡人不喜歡使用U盾,盾,麻煩的美國。然而,小明曾經咨詢一個老司機,數以千計的工業和商業信用卡U盾的量,短短一年時間,以提高10萬量。大宗消費,消費必需品這裏指的是刷卡消費幾千萬元買奢侈品如箱包,批發,買房子,買車等等。越是大宗消費來解釋更加不穩定的支出和收入,銀行將減少偏好。</p>
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<p>丁桂兒臍貼是利用兒童臍部生理吸收功能強大的特點,采用貼臍、健脾胃、治腹瀉、促消化的獨特方法,從而避免注射和服藥的痛苦,促進兒童胃腸健康,對兒童的身心健康具有深遠的意義。牛奶/大豆過敏。牛奶過敏在小嬰兒中並不少見。牛奶過敏也會引起腹瀉,有時還會嘔吐。所以一定要等到寶寶一歲的時候,再給他喂奶。如果寶寶對牛奶過敏,他可能在飲用以牛奶為基礎的配方奶或食用乳制品後幾分鍾到幾小時內出現症狀(如果他已經開始補充飲食)。</p>
<p>有些寶寶是過敏的大豆及豆制品(包括大豆配方奶)。大豆過敏的症狀相似,對牛奶過敏,包括腹瀉。怎麼辦嬰兒腹瀉,小兒腹瀉應調整飲食。作為輔食添加輔食的寶寶,暫停或減少輔食的數量和金額。兒童應停止喂食肉多的油膩食物。如果寶寶應該是母乳喂母乳。惡心和孩子的嘔吐,除了容易消化的食物應該是外面來了幾次,慢慢喂澆水。當特別嚴重的腹瀉和嘔吐,可少喂食物1-2次,我們不主張長期禁食,因為這不利於孩子。</p>
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太甜了會膩不是嗎http://www.blogger.com/profile/08282413195608263126noreply@blogger.com0tag:blogger.com,1999:blog-3664092438765921230.post-34527439074447547752020-09-23T02:41:00.002-07:002020-09-23T02:41:36.613-07:00眾所周知的美白作用<p> </p><img src="https://sib-skincare.com/wp-content/uploads/2017/07/skincare-hand.jpg" alt="" width="514" height="400" /><p>煙酰胺除了眾所周知的美白作用外,抗衰老也是一款不錯的手!能增加蛋白質的合成,加速角蛋白細胞的分化,從而達到抗衰老的作用。簡單地說,煙酰胺促進皮膚中膠原蛋白的生長,而不是簡單地補充。要知道補充膠原蛋白的一般方法是塗抹膠原蛋白產品或口服膠原蛋白產品,但是這些分子太大或者很難被皮膚吸收,所以這種方法自制膠原蛋白,其實更有效!肽是一種由五個氨基酸組成的肽,由一個肽鏈連接。很穩定,很容易被身體吸收。</p>這款<a style="color:#222222;text-decoration:none;" href="https://yanranlou.pixnet.net/blog/post/20022185-chantecaille眼霜產品推介,尊貴抗衰老精華?">抗衰老精華</a>液專門針對,因經常接觸電子屏幕及藍光所導致的衰老問題。蘊含植物幹細胞萃取、5 種革命性胜肽及亮白緊膚的草本成分,令肌膚煥發明亮光彩,重拾緊緻輪廓。
<p>它可以通過增加細胞活性的膠原基質的合成,同時提高彈性蛋白,透明質酸變得容易,糖胺聚糖成形的纖連蛋白的量,使皮膚彈性,以達到抗衰老目的。與其抗老化物質相比,蛋白質的肽片段,可通過角質層容易間隙,進入真皮,達到預期的效果。如果煙酰胺是促進膠原蛋白神器自我成長,更是讓成長的順序排列新的膠原蛋白,使肌膚看起來更飽滿!我認為經驗是護膚品中的鏈接非常重要。</p><a style="color:#222222;text-decoration:none;" href="https://medium.com/@tianzhidaowozenmeban/chantecaille保濕粉底該系列創造了完美的日常生活-3種化妝-3種場合-8036e5745107">chantecaille粉底</a>系列一向以透薄自然為賣點,當中的三款粉底可輕易打造不同妝感,帶來時尚精緻的妝容。
<p>大紅瓶是霜狀質地,膏體豐潤,沒有流動性,採用了獨特的水包油配方,所以上臉不會覺得油膩,又容易吸收,摸起來柔柔滑滑的~對於我這樣的幹皮來說,一年一個四季都可以通過使用!所以我也喜歡搭配以及一些研究按摩治療手法去使用。取一些各種面霜,撒謊受搓熱後,以鼻子為中心,向額頭,兩頰輕柔推開,尤其在經濟法令紋還有抬頭紋的地方,可以加強提拉按摩。然後從下巴開始向耳後揦,慢慢再從而後按壓到鎖骨淋巴。這樣做完皮膚不僅滋潤度超高,還有瞬間提拉緊緻的效果!</p>全新升級版鑽石級,<a style="color:#222222;text-decoration:none;" href="https://www.rebeauteasia.com/【chantecaille推薦】鑽石級精華cream-mask系列推介~對抗藍光延/">精華 推薦</a>,這隻精華液氣味散發草本植物,感覺好舒服,水潤度都非常持久,妝容都keep到大半日無出油,果然係一支值得推薦的精華液。
<p>所以整個相當不錯的皮膚狀況。就在最近,在五月和六月特別忙,就在婚禮開始,開始了一波宣傳618,天天熬夜,睡眠不足的皮膚問題就會出現。細紋,而蘋果顯然是肌肉下垂,特別是每天早上起來,臉色發黃,失去光澤的現象較為嚴重。事實上,這一次的評價是最好的護膚 - 通常是健康的皮膚是不容易看到效果,這個時候用一瓶紅,最大的感受是,肌膚緊致,熬夜後不覺得面部凹陷,肌肉下垂蘋果,皮膚的總體數量變得更加明亮,看上去非常很多。</p>
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<p>A profits supervisor plays a key part in the success and failure of the group. He is the 1 who plays a pivotal position in reaching the income targets and at some point generates profits to the group. A revenue manager must be extremely distinct about his part within the firm. He must know what he's supposed to accomplish on the office.Allow us realize the roles and tasks of a income supervisor: A income manager is dependable for meeting the income targets with the firm as a result of productive setting up and budgeting. A profits manager cannot perform by yourself. He demands the assist of his profits staff exactly where each contributes in his ideal attainable way and will work to the plans and aims from the organization. He is the one particular who sets the targets to the sales executives and other profits representatives. A income manager have to assure the targets are real looking and achievable.</p>It is a quality <a href="https://www.patina.com.hk/patina" style="color: #222222; text-decoration: none;">serviced apartment hk</a> in Kowloon City. Operating as an integrated wellness hub, Patina Wellness offers elegant apartments, a residential care home, a health-focused restaurant and a clinic.
<p>The responsibilities ought to not be imposed on anybody, instead should be delegated as per interests and specializations of your persons. A profits manager should comprehend who will perform a certain endeavor in the only way. It is his role to extract the ideal from every worker. A sales manager devises approaches and strategies essential for attaining the sales targets. He is the a single who decides the longer term plan of action for his group customers. It's the profits manager’s obligation to map prospective clients and create qualified prospects for your group. He should glance ahead to making new opportunities with the group.</p>Start a Sales and Marketing course at Sara Beattie College Hong Kong. <a href="https://www.sarabeattiecollege.com/sales-marketing/" style="color: #222222; text-decoration: none;">marketing course hong kong</a> Gain unique business and digital marketing skills to meet the job market's needs and enhance your own prospects.
<p>A profits supervisor can also be responsible for manufacturer promotion. He will have to make the solution common among the shoppers. A banner in a wrong put is of no use. Canopies will have to be placed at strategic places; hoardings ought to be set up at vital areas for that greatest success. Motivating staff users is one of the most vital obligations of a product sales manager. He has to make his staff work being a single device performing toward a common aim. He have to ensure crew members really do not fight among themselves and share cordial romantic relationship with one another. Establish profitable incentive techniques and introduce monetary rewards to inspire them to provide their stage most effective. Enjoy when they do good get the job done.</p>We offer <a href="https://www.yonyou.com.hk/solutions/financial-management-system/" style="color: #222222; text-decoration: none;">accounting software</a> financial system services such as accounting treasury management and budgeting.
<p>It's the revenue manager’s responsibility to be sure his team is providing sought after outcomes. Supervision is essential. Keep track of their performances. Be certain every one is living as many as the anticipations of your firm. Question them to post a report of what all they have got completed via out the 7 days or thirty day period. The performers should be inspired though the non performers will have to be addressed utmost tolerance and care. He is the one who can take key choices for his group. He should really act as a pillar of support for them and stand by their side with the hours of disaster. A income manager should really set an example for his workforce users. He should be a supply of inspiration for his crew members. A product sales supervisor is responsible for not just selling but in addition keeping and bettering relationships along with the customer. Shopper romantic relationship management is also his KRA. For a product sales manager, one particular must retain necessary facts and records for long run reference.</p>
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SUMMING ALL OF IT UP -SALES OFFICE ROLES AND OBLIGATIONS</a></p>太甜了會膩不是嗎http://www.blogger.com/profile/08282413195608263126noreply@blogger.com0tag:blogger.com,1999:blog-3664092438765921230.post-2493513703397762672020-09-08T01:11:00.001-07:002020-09-08T01:11:11.191-07:00膝關節炎其他症狀<p> 膝關節炎除了通過以上的症狀外,還有上台階費力,下台階腿軟 ; 下蹲困難,有時我們需要扶持才能真正站起 ; 靜止後關節僵硬酸痛,活動片刻後,僵硬和疼痛可以減輕,但活動產生劇烈時又感到自己腿部不適,並有彈響和摩擦感、摩擦音。當病情選擇繼續教育發展到一個關節軟骨細胞完全沒有磨損、 軟骨下骨質裸露時, 疼痛管理成為一種持續性, 在平地上走路也感到非常疼痛,晚上睡覺時把腿放到哪裏都感到不合適, 熟睡後有時甚至還被痛醒, 膝關節伸屈活動設計時會聽到“喀嚓,喀嚓”的摩擦音 ; 因此,患者具有一定方面要注意幼兒早期的診斷方法治療研究問題。</p><a href="https://www.xeljanz.com.hk/" style="color: #222222; text-decoration: none;">捷抑炎</a>® 是第一種阻斷 JAK 路徑以針對自體免疫引起的關節痛的口服標靶藥,能夠有效舒緩徵狀及防止關節長期受損1,2。
<p>膝關節炎其他症狀,膝關節活動受限:早期因膝關節疼痛,患者不敢活動或不願活動,膝關節長期處於相對舒適的屈伸位置;隨著病情進展,關節周圍軟組織粘連,攣縮,患者忍受疼痛運動,也達不到正常活動范圍;更有甚者,膝關節長期固定在一定位置,形成關節僵硬直至關節骨融合。膝關節畸形:在關節疾病的中後期,由於長期的病理過程,關節的骨,力線,關節間隙及周圍軟組織均有結構改變。常見的膝關節畸形有:膝關節屈曲攣縮,內翻畸形,膝關節半脫位等。此時膝關節已部分或完全喪失活動功能,關節畸形直接影響外觀和步態。</p>
<p>中醫熱敷膝關節可以治愈: 關節炎病理: 關節炎是一種神經退行性疾病,是由衰老、肥胖、勞損、創傷、先天性關節畸形、關節畸形、關節軟骨變性、反應性增生、軟骨邊緣及軟骨下骨等多種因素引起的,又稱骨關節炎、退化性關節炎、老年性關節炎、退化性關節炎等。根治關節炎的機理: 通過對關節的熱敷,滲入皮膚,達到活血化瘀,破血循環,舒筋活絡,消腫止痛,祛風除濕的作用。堅持每天熱敷,可以起到滋養骨骼的作用,疏通經絡、止痛、防寒,使局部關節血液循環更好,達到治療的目的。主要成份: 蜈蚣、雞血藤、羌活、元胡蘇、防風、虎杖、白藥子、威靈仙等。本外用藥物適用於各種類型的關節炎,不論男女、年齡和大小,均可使用,只要不對純中藥過敏即可。每次加熱40分鍾。</p>
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<p>我們都在我們一天天的變得美麗動人。很多人都會出現這樣的皮膚問題,但大部分的皮膚問題都是因為缺水,所以需要做好補水工作尤為重要。很多人認為只是為了一味的補水,但是效果研究不是一個很好,這是因為補水也是關鍵一招,用方法就會有效果。許多人沒有效果,因為他們沒有做好基本的清潔工作。面部皮膚不幹淨,毛孔處於封閉狀態,水分當然吸收不了。所以要首先進行清洗系統之前,可以使皮膚嫩了新的高度。幹淨,清潔皮膚是後續以基礎上更好地吸收護膚品的水分和養分後,只有充分打開毛孔皮膚的清潔,才能使肌膚水潤光滑,富有彈性。</p><a href="https://www.url-click.com/reenexprice.html" style="color: #222222; text-decoration: none;">reenex</a>的“膠原蛋白自動生成系統”包括三個步驟:皮膚再生、膠原蛋白自動生成和收緊膠原蛋白,這可以解決我需要改善皮膚老化的問題。
<p>保濕,保濕清潔面部會打開毛孔後進行。許多產品只能補充水分,在皮膚表面,但潛在的皮膚或幹燥狀態,因此應慎重選用補水產品。想要擁有水潤柔嫩的肌膚,溫和有效的將清潔皮膚,打開有效滋潤毛孔,然後。您還在等什麼,趕快采取行動吧!護膚重點:保濕肌膚滋潤備用的一天,滋潤肌膚是整個上午的課程之美,尤其要注意細節,如T區部位,眼睛和嘴唇。只有化妝水,使皮膚更幹,因為蒸發化妝水時,聯合將是肌膚底層滋潤了。</p><a href="https://blog.ulifestyle.com.hk/windydy/3169226/ol" style="color: #222222; text-decoration: none;">reenex</a>做療程完全不用擔心會痛…儀器配合5度「koolburst」技術…整個療程感覺舒適無痛喔:除了無痛外…在還沒敷任何mask前皮膚都不會覺得很乾或繃緊
<p>而太油的保養品,若沒有我們透過角質層水分子的輔助,很容易只停留在肌膚細胞表面,滲透力可能影響不是一個那麼的好。所以,當你在進行補濕動作時,切記,一定要“先澆水、再封油”。同時,盡量讓室內環境空氣通過暢通,並保證城市空氣中的濕度。由於中國皮膚新陳代謝反應速度不斷提高,且皮膚抵抗力沒有能力增強,一些脫毛或文刺類美容服務項目管理系統可以在這個工作時間段進行。</p>
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太甜了會膩不是嗎http://www.blogger.com/profile/08282413195608263126noreply@blogger.com0tag:blogger.com,1999:blog-3664092438765921230.post-59910296560034713082020-08-25T00:29:00.002-07:002020-08-25T00:29:21.951-07:00哪些人應該通過服用可以補充劑?<p><br /></p>
<p>通常,我們建議從平衡食物中營養。但日常生活中有一些人很難達到平衡,包括兒童、孕婦、老年人和一些特殊飲食的人。誰應該服用補充劑? 看看醫療機構的建議:飲食不平衡的人,無論是兒童還是成人,都可能有不合理的不合理飲食。如果飲食不平衡,通過飲食評估,但你不能在短時間內改變它,考慮選擇補充劑來彌補缺乏膳食。例如,對於那些很少吃蔬菜的人來說,對多種維生素補充劑的需求是合理的,除了嬰兒。當然,養成良好飲食習慣的最佳途徑,通過優化飲食結構來實現充足的營養。具體可咨詢資深專業人士。<a href="http://www.hk-beauty-centre.com/pharmanex.html" style="color: #222222; text-decoration: none;">營養補充品</a></p>
<p>特殊飲食,如果食物過敏等原因,導致明顯的飲食限制,那麼服用維生素-礦物質補充劑對健康有益。素食主義飲食中缺少肉類,因此必須使用維生素 b12。如果你沒有喝牛奶的習慣,你應該補充鈣和維生素 d。咨詢醫生或營養學家。低熱量飲食,對於成年人來說,由於減肥等原因需要限制飲食,每天攝入的熱量低於1000千卡,應服用補充劑。需要注意的是,低熱量飲食限制了食物的種類和數量,從而限制了可獲得的營養素的種類和數量。低熱量飲食需要醫生的指導。</p>
<p>孕婦和哺乳母親,在此期間,女性需要更多的營養物質,尤其是葉酸和鐵,葉酸可以幫助預防嬰兒缺鐵脊柱,如脊柱裂,鐵可以以攜帶更多的氧氣給寶寶促進紅細胞生成幫助防止疲勞。事實上,它應該指出的是,在懷孕開始就要考慮准備。婦女絕經後,如果沒有食品添加劑,就很難獲得足夠的鈣和維生素D的鈣和維生素d有助於防止骨質疏松症。即使是年輕的女性或男性,如果鈣或維生素d存在的風險,服用後會受益。超過50歲,隨著年齡的增長,健康問題可能會導致不良的飲食習慣,從而使得它很難獲得足夠的維生素和礦物質。</p>
<p>隨著年齡不斷增長會導致我們人體吸收以及維生素B6、維生素B12、維生素D的能力可以減弱,需要充分考慮營養補充品。吸煙者,吸煙和被動吸煙對健康的危害到了很大。吸煙會降低對維生素和礦物質的吸收量,包括各種維生素B6、維生素C、葉酸和煙酸等。過量或者飲酒,酒精中毒者出現消化和吸收硫胺、葉酸、維生素A、維生素D和維生素B12能力會受損。新陳代謝的改變也會影響鋅、硒、鎂、磷等礦物質的吸收。因此,首當其次其中是限酒,飲酒情況較多問題就要通過考慮補充說明這些重要營養素。</p>
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SINGAPORE (Reuters) - Brent oil prices jumped by 1 percent on Tuesday to their highest since mid-2015, after the shutdown of the Forties North Sea pipeline knocked out significant supply from a market already tightening due to OPEC-led production cuts. <br />
FILE PHOTO - A pumpjack brings oil to the surface in the Monterey Shale, California, U.S. April 29, 2013. REUTERS/Lucy Nicholson/File Photo <br />
Brent crude futures LCOc1, the international benchmark for oil prices, were at $65.32 a barrel at 0748 GMT, up 63 cents, or 1 percent, from their last close. The contract hit a high of $65.70 a barrel earlier in the day. <br />
That marks the first time Brent has risen above $65 since June, 2015. <br />U.S. West Texas Intermediate (WTI) crude futures CLc1 were at $58.38 a barrel, up 39 cents, or 0.7 percent, from their last settlement. <br />“Brent crude raced higher ... as news broke that the North Sea’s Forties Pipeline system would have to be shut down for a ‘number of weeks’ after a hairline crack was found in it,” said Jeffrey Halley, senior market analyst at futures brokerage OANDA in Singapore. “The pipeline ... is a significant component underpinning the Brent benchmark.” <br />Britain’s Forties oil pipeline, the country’s largest at a capacity of 450,000 barrels per day (bpd), shut down on Monday after cracks were revealed. <br />“The market reaction shows that in a tight market, any supply issue will quickly be reflected in higher prices,” said ANZ bank. <br />GOING WIDE <br />
Analysts said there was also oil price support from the consumer side. <br />“Demand growth across the commodity complex is extremely robust. And inventories across the complex have been declining sharply,” U.S. bank Goldman Sachs said in a note to clients. <br />The jump in Brent prices widened its premium to WTI prices to as much as over $7 a barrel CL-LCO1=R, the highest premium since May 2015 and up from around $5 last week, making U.S. oil exports more attractive. <br />
Cheaper WTI is also a result of rising U.S. oil production C-OUT-T-EIA, which has jumped by more than 15 percent since mid-2016 to 9.71 million bpd, levels not seen since the early 1970s. <br />U.S. production is now also not far off that of top producers Russia and Saudi Arabia. <br />The rising U.S. output threatens to undermine efforts led by the Organization of the Petroleum Exporting Countries (OPEC) and a group of non-OPEC producers, most importantly Russia, to support prices by withholding supplies. <br />
OPEC and its allies started withholding supplies last January and currently plan to continue doing so throughout 2018. <br />Reporting by Henning Gloystein; Editing by Joseph Radford and Kenneth Maxwell<br />Our Standards:The Thomson Reuters Trust Principles. 太甜了會膩不是嗎http://www.blogger.com/profile/08282413195608263126noreply@blogger.com0tag:blogger.com,1999:blog-3664092438765921230.post-19205301101317171572018-03-15T19:08:00.000-07:002018-04-18T23:45:50.995-07:00After the Spring Festival <br />
The CPI dropped significantly year-on-year. After the Spring Festival, a combination of falling demand and rising temperatures led to plentiful supply, and domestic food prices have continued to fall since march. According to the ministry of commerce monitoring data, the price of edible agricultural products fell sharply in the first three weeks of march. Taken together, non-food prices are expected to fall slightly to 2.2 per cent this month compared with the previous month. At the same time, this month it was 1.3 per cent, up 0.33 percentage points from last month. Based on the above factors, the year-on-year CPI inflation rate in March 2018 is likely to be 2.3% to 2.5%, with a median value of 2.4%, a significant decrease from last month.<br />
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Recently, as trade wars between China and the United States have heated up, the market is worried that a trade war will lead to a resurgence of domestic inflationary pressures. However, the analysis reveals that, first of all, the current trade war between China and the United States is not really open. The two sides are still in the exploratory stage, and the possibility of settling disputes through negotiation will not be ruled out in the future. Second, China's current response to the us is focused on the imposition of tariffs on several types of us exports to China, such as fruit, nuts and pork. Because these kinds of agricultural products account for a small proportion of China's imports, the proportion of domestic consumption is negligible. Even if the tariff is imposed, the impact on domestic prices will be very small. Third, America's exports to China of goods, products such as soybean and waste paper is high, do not rule out future trade war after the upgrade, China to counter the United States to import tariffs on these products, leading to domestic related products prices, fueling domestic CPI. However, it is not expected that such a possibility will occur, and even if it happens, considering that these commodities have a relatively low CPI weight in China, the overall lifting rate of the CPI will not exceed 0.5 percentage points.<br />
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In 2018 prices will remain moderate, with little chance of a return to inflation. The CPI is expected to be less than 2.5 percent in the year to 2018, still below the 3 percent policy target, let alone high inflation, and prices will not be the focus of the year's macro policy priorities.<br />
PPI inflation continued to fall. PPI has fallen for three straight months and may continue to fall in March. Overall, the PPI is expected to rise between 3% and 3.4% in March, with a median value of 3.2%, continuing a downward trend.<br />
Composite CPI and PPI trends, estimated in the future will continue to narrow, the difference between the two prices overall moderate operation, on the one hand to the by the high economic growth to changes in the development of high quality to provide a good environment, also leave a flexible space for macro policy operation. If friction between China and the United States increases, a trade war will reach a certain level, which could affect the price of industrial products and the overall price level in the future.<br />
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Export slowdown太甜了會膩不是嗎http://www.blogger.com/profile/08282413195608263126noreply@blogger.com0tag:blogger.com,1999:blog-3664092438765921230.post-15555764513510669242018-01-09T23:02:00.003-08:002018-03-15T19:07:37.494-07:00My double life in a homeless hostel'My double life in a homeless hostel' Image caption Sarah sits at a windowsill to do her homework <br />
Mary, and her nine-year-old daughter, Sarah, (not their real names) are homeless and have spent the past 13 months living in a single room in a hostel.<br />
"Nobody knows how we are living," says Mary. "No-one knows we are in this situation." <br />
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"They know we are in temporary accommodation, but they don't know we are living in a hostel - that we've got no space."<br />
And there certainly is a lack of space. It is just about possible to walk around one side of the double bed.<br />
There is a small table, but not enough room for mother and daughter to sit and eat a meal together.<br />
Their belongings are piled up precariously in laundry-bag towers against the wall, and there is not a free surface in the room. Their stuff is everywhere.<br />
Sarah has to sit cross-legged on the bed and lean on the windowsill to do her homework.<br />
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No friends<br />
She is one of the 128,000 children in Britain who will spend Christmas in temporary accommodation this year, according to official figures - the highest number for a decade.<br />
Very few of these will be sleeping rough, but they will be saddled with the hardships of living in temporary accommodation.<br />
Mary and her daughter found themselves homeless when their landlord wanted his property back and they could not afford another deposit and rent in advance.<br />
The office worker struggles to eat let alone cook healthy meals in the room, where just one of the cooker rings works.<br />
"I am leading a double life because I go to work in my suit all dressed up and I go to church all dressed up, but nobody knows what I am going through."<br />
And despite her young years, Sarah seems to want to keep her living conditions secret from her school friends too.<br />
"I have friends and I really want my friends to come to my house, but they can't come here.<br />
"They have to come to a nice house. So if they ask me I say I'll have to ask my mum.<br />
"It's stopping me from having friends and hanging out."<br />
According to housing and homelessness charity Shelter, families living in temporary accommodation are often confined to one single room, which significantly disrupts the children's ability to play or follow a daily routine<br />
Interviews by the charity with some families in such conditions, revealed children feeling anxious, afraid and ashamed. <br />
Mary says the practicalities of living in such a small space are very challenging.<br />
"It's the storing of our clothes, the washing of our clothes."<br />
Like others in similar situations, Mary struggles to stay positive.<br />
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"It's very easy to not do anything and just come back from wherever and go to bed. I'm trying so hard to fight that."<br />
'Roof over head'<br />
Mary adds: "What keeps us going, for me and my daughter, is our faith. <br />
"I think if I didn't have that I would have ended up in a mental hospital."<br />
The government says it is working with Shelter and others to end homelessness.<br />
It is providing ?1bn until 2020 to tackle the issue and putting into practice the Homelessness Reduction Act, which aims to ensure people receive the support they need earlier. <br />
A Department for Communities and Local Government spokesman said: "Councils have a duty to provide safe, secure and suitable temporary accommodation. 太甜了會膩不是嗎http://www.blogger.com/profile/08282413195608263126noreply@blogger.com0tag:blogger.com,1999:blog-3664092438765921230.post-18515657275676897222018-01-02T23:07:00.003-08:002018-01-09T23:02:23.381-08:00Teaching in a prison: 'Education hasTeaching in a prison: 'Education has the best chance of turning lives around' <br />
I’ve been a teacher at Feltham prison – an institution for young male offenders – for two years now. I work with 15 to 18-year-olds, but only a few of them stay with us throughout those years. The average sentence served here is about four months, so the group changes frequently.<br />
The actual crimes committed vary; it could be anything from shoplifting, theft or graffiti up to rape and murder. A lot of people ask me why I do my job – and say that the boys don’t deserve an education because they’ve committed crimes. But as I see it, if you’re in prison at 15 you can’t be solely to blame. These boys have been failed somewhere along the line. I believe education has the best chance of turning these young lives around, preventing more crimes being committed on release, and enabling offenders to become valuable members of the community.<br />
The graduates training as prison officers: 'People think we just turn keys and shout orders'<br />
<br />
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Most of the boys have had negative experiences in school, too, so it’s a massive challenge to engage them in an education environment they haven’t chosen for themselves. Many are either on academic or vocational pathways. We can’t enrol pupils on a GCSE programme because we’re not going to have them for the whole of the academic year – but if they’re part way through a qualification when they enter prison, we can take over the teaching. Last year a boy took 19 GCSE exams while he was at Feltham. <br />
Some teachers move between prisons, but I’m at Feltham all day, every day. The boys in my class are quite often vulnerable, or need a quieter environment because of their learning difficulties or disabilities – having the same teacher and learning environment works better for them. <br />
All classes have a maximum of eight pupils, so each boy is getting more attention than they would have had in school. We’re contracted to teach them for 30 hours a week – more than the average full-time course in a college, although sometimes the boys get called out of class for legal or social visits.<br />
A lovely part of the job is when boys get in touch to say they’re back at college or in a job <a href="http://www.tagsis.com/article/4424/%E7%94%B7%E6%9C%8B%E5%8F%8B%E9%83%BD%E9%96%8B%E5%A7%8B%E6%8A%B1%E6%80%A8%E4%BD%A0%E7%9A%84%E6%BF%83%E5%A6%9D%E4%BA%86%E5%97%8E%E4%B8%8D%E8%A6%81%E5%86%8D%E9%9D%A0%E6%BF%83%E5%A6%9D%E9%81%AE%E9%86%9C%E4%BA%861%E5%80%8B%E6%96%B9%E6%A1%88%E8%AE%93%E4%BD%A0%E7%AB%8B%E5%8D%B3%E8%AE%8A%E6%88%90%E7%B4%A0%E9%A1%8F%E5%A5%B3%E7%A5%9E%EF%BD%9E" style="color: #222222; text-decoration: none;">Dr protalk</a>
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I’ve never felt that I was at risk or I wasn’t safe. The prison staff are fantastic; I know that if I have an issue within my class the officers are going to be there in an instant. Working with some of our low-level learners – some of whom haven’t been in education since primary school – can be challenging, though. I’ve had to teach 16-year-old boys how to write their own name. <br />
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The restrictions with technology and resources are also tough. We don’t have internet access and can’t use USB sticks. We’re not allowed scissors or even pencils with a metal top. We have interactive whiteboards, but we can’t use PowerPoint presentations on them because they’re not linked to a computer. I enjoy it, though, because you have to be adaptable and find ways to make the lessons interesting with the resources you have. <br />
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A highlight for me is when we get to meet the parents during legal visits. I’ve had mums thank me for looking after their son when they can’t. It also gives you a boost when you’re working with a boy and you see the penny drop – when they have that realisation that they can do it. It’s not just about the English and maths, but helping them find some self-worth; that’s what makes it all worthwhile.<br />
Secret Teacher: funding cuts leave us unable to help SEN children at school<br />
Read more <br />
Last year, I won an Outstanding Teacher Award from the Prisoners’ Education Trust, and the nominations came from the learners – it was humbling to know they’d taken the time to write a letter. Another lovely part of the job is when boys get in touch to say they’re back at college or in a job. We’ve got one boy who’s got a full-time job in Lidl, one who’s working for a music production company and a lot of boys who have gone into full-time education. For them to take something positive from such a negative experience is really important. That’s why I do it.<br />
Follow us on Twitter via @GuardianTeach, like us on Facebook, and join the Guardian Teacher Network the latest articles direct to your inbox<br />
Looking for a teaching job? Or perhaps you need to recruit school staff? Take a look at Guardian Jobs, the education specialist <a href="https://www.youtube.com/watch?v=BoVyMzLsZCc&t=56s" style="color: #222222; text-decoration: none;">Dr protalk</a>.太甜了會膩不是嗎http://www.blogger.com/profile/08282413195608263126noreply@blogger.com0