15场比赛场均贡献5.3分

新疆真要换外援?绯闻新援已离队 曝即将签约科顿是新疆外援新人选腾讯体育1月26日讯 关于新疆男篮要换小外援的消息近来一直没停,在前NBA扣篮王内特-罗宾逊未通过试训后,前太阳队后卫布莱斯-科顿成为了新的人选。在前几日被曝光后,又有了新的进展,据悉科顿已经离开了目前所在的球队,将和新疆签约。记者爆料最新消息据NBA发展联盟记者Chris Reichert最新消息,科顿已经离开了奥斯丁马刺队,准备和新疆签约。毕业于普罗维登斯大学的科顿,出生于1992年8月11日,身高1米85,体重75公斤。在大学的最后一个赛季,科顿场均可以贡献21.8分5.8助攻。2014年他参加选秀,但最终并没有被任何球队选中,随后科顿加盟马刺,并代表圣城出战夏季联赛。上赛季常规赛,科顿为爵士效力,15场比赛场均贡献5.3分。本赛季他转投太阳,出战3场比赛场均贡献1.3分,本月初,他被太阳裁掉。据媒体报道,此前新疆曾试训了内特-罗宾逊,不过最终他没有通过试训。不过显然新疆并没有放弃换外援的打算,至少是做个“备胎”,在球队里准备着,这也得到了主帅李秋平的确认。新疆传出换外援的消息时,他们还处在积分榜首位,虽然球队目前已跌至第二,但很多声音都表示新疆不需要换外援,最重要的是稳定和保持状态。而换外援的主角古德洛克也许是知道了这个消息,在近五场比赛中,场均可以拿到26.6分,高于赛季平均的21.7分,其中不乏35分和40分这样的表现。 【集锦】深圳81-97新疆 布拉切21+16李根19分 (此视频与原文内容无关,仅供延伸阅读)

一直跟着B队打踢西班牙第三级别联赛

【灯塔守望】之4:未来出路在哪 全加盟恒大? [摘要]李源一和徐新去年十月底接受专访时都表示希望留在国外继续发展,两个月后却选择了加盟恒大。从某种程度上讲,这也是每个留洋球员要面对的现实。在外打拼不易,出口转内销已成为一种常态。留洋,未来的出路在哪儿? 【灯塔守望】梦想路上执着奔跑 腾讯探访留洋球员 【灯塔守望】孤独的朝圣者 欧洲留洋球员调查策划 腾讯体育中国足球组 撰文 赵宇“你看这个进球像不像张稀哲那个(国安主场2015年9月20日1比0战胜江苏舜天,张稀哲打进世界波)?”10月25日,林良铭代表皇马(数据) 青年队在联赛中打进两球,献上一次助攻。跟腾讯体育记者在马德里第二次见面时,他主动掏出手机播放着自己的进球视频。刚满18岁的他一边看一边笑,那张娃娃脸上洋溢着幸福感。林良铭是个不太会聊天儿的孩子,采访时问一句,答一句。整理出文字后会发现,他的回答和你问的问题句子一样长。我问他你为什么要留洋?他的回答居然是:“因为我代表国青队在葡萄牙踢比赛时被一个球探看上了,然后就被经纪公司运作过来了……”给人一种“留洋更好,在国内踢也行”的感觉,没有对“梦想”、“情怀”进行过多渲染。每个人留洋的动机、目的和道路或许都不尽相同,他们的最终归宿也会千差万别。李源一和徐新去年十月底接受腾讯体育记者专访时都还表示要慎重考虑回国问题,而且当时明确说还希望留在国外继续发展。可是,再丰满的理想也拗不过残酷的现实。这两人两个月后被官方宣布回国发展,加盟广州恒大。从某种程度上讲,这也是每个留洋球员要面对的现实。在外打拼不易,出口转内销已成为一种常态。国内青训体系不完备让球员被迫留洋刘奕鸣、李源一等人来葡萄牙留洋是因为当年入选了“中国希望队”;韦世豪选择留洋是因为他觉得自己在鲁能发展的瓶颈太多,所以宁可支付一定的培训费也要跑出来;徐天沅出来是因为家人的热切期盼,以及自己的一点点理想;张玉宁属于那种两年前来试训过,后来得到了认可,维特斯俱乐部“要求”他年满18岁之后必须要来这里报到;张修维留洋的原因和张玉宁差不多,只不过他现在打上的比赛相对较少。除了集体拉到国外训练的模式外,单独走出来的球员基本上都要先被国外的俱乐部看上,这个“被看上”的机会往往都是他们代表国字号的青少年球队到国外打比赛。林良铭虽然出国前跟自己所在的广州富力俱乐部因培训费问题闹了些纠纷,但最终还是成功“逃脱”。此前效力于马竞B队的徐新,五年前就来到了西班牙,也是被球探看重的。本赛季开始全程跟着马竞一线队训练,赛季初代表马竞一线队踢了三场友谊赛,不过赛季正式开始后却无法在一线队打上比赛,一直跟着B队打踢西班牙第三级别联赛。受国奥集训影响,徐新代表B队首发机会不多,不过每场比赛都可以替补登场。就在这个冬天,他结束了自己在马德里五年的生活,回国加盟广州恒大。至于年龄最大的张呈栋,他说自己留洋完全是为了圆一个西甲梦,“在葡萄牙踢球的时候就梦想有一天出现在西甲赛场上。即便是回国了两年,这样的梦想一直没有断。”中国目前在五大联赛一线队踢球的只有张呈栋一人,在2015年的最后一天踢上了西甲比赛,只有十多分钟的出场时间。林良铭接受腾讯体育专访剩下的球员不是在踢自己所在国的低级别联赛,就是在青年队。从这些数据来看中国的留洋的确不太成功。我们已从当年那种试训成功后在一线队打正式比赛的模式,变成了送小球员到国外培训的模式,好的继续留下,一般的回国发展,现在所走的路似乎有些偏离“普世价值”。“我们这个年龄段的球员在国内没什么比赛可踢,所以还不如出来,这里比赛太多了,一个赛季能踢60场比赛。”在葡萄牙留洋的刘奕鸣这样说。的确,欧洲各国每周末都有形成体系的青年联赛,而国内俱乐部的青年队基本上是冬训时才踢上一个赛会制比赛,剩下时间基本上都在进行枯燥的训练。和刘奕鸣一样,曾在马竞B队效力的徐新也持同样的观点,他刚来时跟着马竞青年队一年能踢40场比赛,“在国内一年就踢一礼拜的全国比赛,然后就没其他的了。”国内青少年联赛的缺失让很多孩子选择出国发展,他们觉得自己在国内的水平未必是最高的,但最起码到了这边能够踢上相对正规的比赛。可即便如此,21岁的徐新还是最终选择了回国发展。“这种说法站不住脚。”国奥队主教练傅博并不完全认同这种说法,他觉得如果放到五六年前这些的确是现实,现在青少年比赛很多,包括青少年精英赛、梯队赛、全运会预选赛、每年冬训的比赛等等,“关键还是看实力。实力强的球员在哪儿都能踢上比赛。”打不上比赛的问题短时间内没办法解决“实力强的球员到哪儿都能踢上比赛。”傅博的这句话似乎在某种程度上切中了要害。到目前为止,张呈栋踢了三场西班牙国王杯赛和一场西甲比赛的十多分钟,张玉宁虽然跟维特斯一线队签的正式合同,但由于他错过了球队准备期,再加上伤病等因素的影响,只能跟着U19踢青年队比赛,他在青年队场场可以获得首发机会,曾创造过连续7场比赛全部首发,打进5球的纪录。李源一回国之前在葡甲莱熊伊什队算得上是主力,每场比赛基本上都能保证首发。和他在同一支球队的郭毅、潘喜明则是替补。韩鹏飞现在踢的也是葡甲比赛,也基本上能够保证场场首发。剩下很多在葡萄牙的球员踢的是第三级别、第四级别联赛。在葡萄牙第三级别联赛(葡乙)踢球的刘奕鸣、叶尔杰提、唐诗、陈科睿算是球队主力,剩下的其他人基本上都是替补。现效力于皇马青年队的林良铭来到马德里一周之后就打上了比赛,并屡屡斩获进球,在欧冠青年锦标赛上还有过出场。他现在已经成了皇马青年队的准主力。同样在西班牙踢球的徐天沅目前效力于巴列卡诺青年队,他每场比赛都能够获得出场机会,但首发次数相对较少。效力于法国里昂的张修维去年还是球队青年队主力,今年进入预备队,受到伤病等因素影响,今年还只打了一两场正式比赛,在球队中算不上主力。这些在欧洲踢球的球员也承认,打不上比赛是能力问题,但这似乎又很难一下子解决。“这也从侧面反映出了中国足球的整体水平,我们就是这个能力,就是这个实力,也不想过多辩解什么。”韦世豪说。至少到目前为止,还没有看到哪名球员的留洋道路发展得特别顺利,每个人这几年似乎都经历了无数坎坷与艰辛,这苦水能吐上三天三夜。三年前,韦世豪曾跟鲁能青年队来葡萄牙集训,球队当时看了很多场波尔图队的比赛。所有球员、教练现场看球时都觉得波尔图队右后卫不会踢球,是整个球队最差的球员,“其实当时那个球员是谁呢?达尼洛……现在人家已经以3500万欧元的身价去了皇马。”说到这个故事时,韦世豪一阵阵苦笑,那个当年曾经被他们看不上的球员一飞冲天。身为巴西人,达尼洛在葡萄牙也算是外援,一开始都默默无闻,但爆发时会有你想象不到的力量。但目前还没有一个在欧洲的中国球员有过爆发,甚至看不到爆发的希望。中国球员的留洋路和很多国外球员似乎还有很大不同。中国国内的球员只会踢没有逼抢的球?“这边比赛的节奏真的太快了!”几乎所有留洋球员接受采访时都会这么说。队员们集体这么说,从某种程度上也可以反映出国内联赛即便有再大牌的外援加盟,即便有再多的人关注,其真正水平也未见有太多提升,最起码在比赛节奏方面跟欧洲有很大的差距。就像张呈栋所说的那样,自己如果从葡萄牙回到国内后也被那种节奏同化了,肯定就别想再出来了。韦世豪曾踢过葡超,现在在葡甲球队踢球,他说即便是葡萄牙低级别联赛的节奏也非常快,“你在场边看觉得他们好像不会踢球似的,但一上场就完全不是那么回事了,他们踢球特别合理,特别会比赛。”增加力量,韦世豪给自己加练“如果把葡甲、葡乙的球员单个拿出来,肯定没有中国球员技术好,但到了场上之后人家就比你强太多了。”在韦世豪看来,中国球员如果训练时过个杆、原地长传、射门技术都不错,“原地球绝对好,那都是在对抗很低的情况下。节奏一快了就不会踢了。”徐新曾专门看过马竞青少年的训练,那些小孩从十岁就开始打对抗比赛,特别激烈,“中国这么大的孩子可能还在练脚弓传球、颠球呢,所以不适应这种高对抗的节奏。”不过这些球员表示,自己在国外待了两年之后就已经适应这种比赛节奏了。傅博承认,一些从欧洲回来的球员确实比国内球员节奏快,“但这些球员要长时间在欧洲发展才能保持这种踢球的节奏,一旦回到国内,就又会被同化了。”“到了这边之后你首先得放平心态。在中国的时候可能都觉得自己特牛逼,觉得自己是个特有天赋的球员,可当你遇到巴西球员之后,你的天赋就没了;你觉得自己身体强壮,到这边遇上非洲球员之后也不行了。”李源一到葡萄牙第一年时一直在想怎么能让自己留下来,怎么发挥出自己的特长,“你要想在这边儿扎根,就必须让自己变得更勤奋,更刻苦。要主动跟所有人沟通,让自己变成一个葡萄牙人。”在葡萄牙闯荡多年,李源一很享受这里的一切,他说自己已经变成半个葡萄牙人了。可这“半个葡萄牙人”似乎也扭转不了现实,他在12月25日这一天宣布回国,加盟广州恒大。双方谈了很久,李源一说回国发展也是不错的选择。到了23、4岁就要考虑回国发展问题了“混不好就不回去了”,这样的狠话在影视剧里很常见,但现实生活中却不是每个人都能做到。少小离家的这些留洋球员们要面对一个很残酷的现实:如果到了23、4岁还踢不出来,就真的要考虑回国发展了。张佳祺、王上源曾分别在法国、比利时留洋,前者回国后先加盟大连阿尔滨,又转投广州恒大,后者直接被恒大挖走。两个人在恒大都算不上主力,但收入却非常可观。“我没设定多大岁数必须回去,主要还是看自己在这边踢什么比赛。我现在踢的是葡乙,下赛季看看能不能到葡甲发展,然后再看看是否有机会去葡超。”20岁的刘奕鸣给自己设定的目标就是两三年内踢上葡超的比赛,“如果一直踢葡乙,那就没什么意思了,还不如回国发展,踢着轻松,挣钱容易。”张玉宁不考虑回国,尽管恒大一直在追“国内的收入很高,这对于球员来说也是一种考验。”李源一去年十月接受腾讯体育记者采访时显得很坦诚,他表示挣钱也是职业球员踢球的目的之一,“如果留洋,将来能够去非常好的俱乐部,也可以挣到像国内一样多的钱,但这很难,回国挣钱却很容易,所以这确实是一个很难的抉择。”李源一认为90%的留洋球员心里都有种不服输的劲头,想要在国外证明自己,“但不可能有人让你一直这样下去,如果真的踢不出来,就必须回国,毕竟以后还会有家庭,还要养活自己。”在国内种种诱惑之下,他也不敢保证自己能在葡萄牙待多久,他认为自己现在的势头不错,已在葡甲踢上主力,将来完全可以去一支葡超的球队踢球,“即便是回去了,我也有再出来的梦想。即便是这次没踢上葡超,我将来也一定要踢上。”两个月后,李源一选择回国,加盟广州恒大。再丰满的理想也抵不过残酷的现实。同样在葡萄牙踢球的韦世豪认为,中国留洋球员退路多未必是件坏事,这在某种程度上可以解决后顾之忧,“中国人有时候没耐心,急于求成,大家都想立刻踢上更高级别联赛,但人家老外很多都是25、6岁才踢上葡超的,之前也在低级别联赛踢了很多年。中国球员不行,没那么多时间。如果你一直在这边踢,踢到25、6岁真的踢不出来怎么办?那个时候再回国,你恐怕就赚不到什么钱了,职业生涯都有可能浪费了。”韦世豪明白,球员是吃青春饭的。在马竞B队效力的徐新今年已21岁,“想要代表马竞一队踢西甲确实太难了,我也在考虑俱乐部能不能把我租借出去,也有不少球队跟我的经纪人联系过,但俱乐部一直不放人。”徐新说自己到了这个赛季结束后必须考虑未来了,不能总这样拖下去,“当然,我还是想继续留在这边。”徐新说这些话时是在今年10月下旬,可是两个月后,他和李源一一样选择回国发展,加盟了广州恒大。18岁的胥栩目前效力于巴塞罗那科尔内亚青年队。他前段时间曾回国去北控俱乐部试训,觉得自己在能力方面可能稍微比中甲球员差一些,但适应一段时间后踢中甲比赛完全没问题。不过由于北控要求胥栩先从预备队踢起,所以他就没有加盟该队,“那样的话意义就不大了,还不如继续在西班牙踢青年联赛。青年联赛可能技战术水平没中甲那么高,但节奏绝对比中甲快。”

并两次入选欧足联年度最佳阵容

罗马宣布与阿什利-科尔解约 或赴美携手杰拉德 罗马官方宣布与阿什利-科尔解约   新浪体育讯  北京时间1月20日凌晨,意甲传统劲旅罗马官方宣布与前切尔西功勋球员阿什利-科尔解约。英国媒体透露,他将会转投北美职业大联盟洛杉矶银河队,与国家队队友杰拉德再次携手征战。除了杰拉德,兰帕德和德罗巴也在北美职业联盟效力。   今年35岁的科尔,曾是英格兰国家队和切尔西的功勋战将,奈何岁月不饶人,状态下滑的他在罗马已无立足之地。罗马效力的一个半赛季,他在各项比赛中仅出场11次。经过与俱乐部协商,双方决定友好分手。罗马队对阿什利-科尔的付出表示感谢,并祝他未来一切顺利。   过去几个月,洛杉矶银河队一直与阿什利-科尔保持联系。最近银河队卖掉了美国国脚奥马尔-冈萨雷斯,而经验丰富的科尔是个不错的人选。   阿什利-科尔曾效力水晶宫、阿森纳和切尔西等英超俱乐部,并代表英格兰国家队出场107次。职业生涯共赢得1座欧冠冠军奖杯、1座欧联杯奖杯、3座英超冠军奖杯、7项英格兰足总杯冠军、1项联赛杯冠军和3个社区盾杯,并两次入选欧足联年度最佳阵容。   (TYZB)

稳稳将球投中

牛!哈登刷新历史停不住 万分先生一战四纪录 【球星】哈登集锦 砍27+11助飞魔兽创一万分生涯里程碑 腾讯体育1月14日讯 火箭主场107-104击败森林狼,哈登砍下27分11助攻,成为09届首位万分球员,近31年第七位生涯前500场获得10000分2000篮板2000助攻700抢断200盖帽,刷新火箭队史三分榜和罚球榜。哈登此役收获颇丰本场堪称哈登里程碑之战,他的总得分达到10005分,成为09届球员中首位万分先生,与哈登同届的库里和格里芬均未达标。1985年以来,哈登是第七位在500场比赛以内,就拿到10000分2000篮板2000助攻700抢断200盖帽的球员。哈登投进2记三分,效力火箭期间三分球命中数达到672,追平莫布里并列火箭队史三分榜第二位(麦克斯韦尔730记三分排名第一)。哈登此役罚中9球,火箭生涯罚球命中数增加到2316,超过埃尔文-海耶斯(火箭生涯罚中2310球),排在火箭队史罚球命中榜第五位。哈登本赛季场均28分6篮板6.6助攻1.6抢断,数据可谓相当不俗,却遭到了许多批评。主要原因有两个,一是火箭在赛季初期战绩远未达到预期,二是哈登的进攻效率不佳,有浪投换高得分的嫌疑。与火箭逐步进入状态一样,哈登本赛季也是循序渐进,逐月找到理想的进攻节奏,提升攻击效率。哈登在11月命中率只有41.7%,12月提升到43.6%,进入1月后达到45.2%。与传统的超级分卫相比,哈登的运动能力不算劲爆,球风并非美如画,但他有自己的风格。哈登因为罚球多而被戏称为“碰瓷帝”,实际上合理利用规则是无可诟病的方式,规则适用于联盟所有的球员,为什么只有哈登等极少数的几位能够高效率的赚取犯规,这是篮球智商与技术的体现。哈登打球节奏感很强,很会抓对手的防守漏洞。此役首节有一球,哈登单打维金斯,假动作虚晃成功调动维金斯的身体重心,哈登不但将球投进还制造维金斯犯规,打成2+1。上半场比赛收尾阶段一次进攻,哈登突破急停假动作晃飞了一名防守者,森林狼补防球员迅速赶到,哈登不慌不忙再次虚晃一枪,骗过了第二名球员,随后从容跳投命中。扭断脚踝的第一步,冲破球馆的弹跳力,肋生双翅的滞空,这些不是哈登的特点,但顶级分卫所需要的技术一样不缺。突破、后撤步中投以及三分球,哈登样样精通,即便与科比等前辈巅峰期相比还是要弱一些,但在现役分卫中毋庸置疑是出类拔萃的。此役第三节结束前7分16秒,哈登再次与维金斯形成一对一。哈登突破急停,背后运球后撤步跳投,刺破了维金斯的防守,稳稳将球投中,哈登的技术优势在这次进攻中展示的淋漓尽致。哈登不仅能投,还能组织进攻。尤其在投篮手感不是很好的情况下,哈登的传球显得更加重要。哈登本场22中8的进攻效率并非很理想,但他送出11次助攻。终场前1分56秒,哈登吸引森林狼双人夹击,迅速分球给特里投进三分,这一球是本场比赛关键一击。火箭取得五连胜,哈登迎来里程碑,实现团队成绩和个人数据双丰收。火箭在经历赛季开局阶段的低迷后,重新返回正轨,哈登功不可没。没有哪位球员完美无缺,不能因为哈登场外的一些事情否定他在场内的表现,火箭核心的称号对于他来说是当之无愧的。(硬币)版权声明:本文系腾讯体育独家稿件,未经授权,不得转载,否则将追究法律责任。下载腾讯体育APP 尽享NBA视频直播

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阿德25+11高塔发威 马刺27分擒篮网豪取8连胜 【集锦】马刺106-79篮网 阿德25+11莱昂纳德两度暴扣 腾讯体育1月12日讯 马刺客场106-79大胜篮网。马刺取得8连胜,刚刚将主教练与总经理“一锅端”的篮网遭遇5连败。阿尔德里奇出场不到28分钟即砍下25分11篮板,身高2米21的博班-马扬诺维奇在下半场助马刺将比分拉开,他出场13分半钟送出13分3篮板2封盖1助攻。点击查看本场技术统计马刺队数据篮网队数据阿尔德里奇25分11篮板2助攻布鲁克-洛佩兹18分5篮板2封盖莱昂纳德17分8篮板2三分乔-约翰逊16分3篮板2三分邓肯8分4篮板2封盖托马斯-罗宾逊10分2篮板1抢断阿德中投超神本场之星:炫技!阿德中投无解阿德身高2米11,遇上2米03的赛迪斯-杨,阿德与马刺太清楚应该怎么做了!17投12中砍下25分,阿德在有限的出场时间内充分展示了中投能力。他还抢下了4个前场篮板,篮网全队的前场篮板数是5个。赛前状况:波帅感叹好友下课开季来篮网只有10胜,战绩仅好于76人与湖人,近6战5败中篮网表现尤其糟糕:场均得分87.8分,投篮命中率41.1%。老板普罗霍洛夫忍无可忍,解雇了主帅霍林斯与总经理比利-金。波波维奇在赛前谈及了篮网的动荡,他强调霍林斯是自己的朋友,波帅说:“这就是(NBA的)生意,但这生意很烂。”比赛回顾:下半场发力 马刺大胜篮网本赛季来,篮网场均攻防回合数97.4次,排名联盟第19位;马刺95.8次更是排名联盟第28位。喜欢压制节奏的两队相逢,首节持续沉稳对峙。阿德半节时间5投全中砍下10分,篮网围绕洛佩兹展开进攻,持续紧咬比分。首节马刺22-20领先。次节前段迪奥的三分球助马刺将比分拉开至27-20。但这是马刺上半场8次三分球出手的仅有入球。洛佩兹继续主攻,他连入3球率篮网将分差缩小到3分。马刺提前安排邓肯回场,石佛迅速体现作用,连续封盖洛佩兹后又制造其进攻犯规。洛佩兹强攻制造邓肯犯规后,石佛三分线外妙传助莱昂纳德空接灌篮。阿德继续表演中投绝技,上半场他9投8中砍下16分。马刺一度建立12分优势。次节后段乔-约翰逊连入中远投,篮网追至38-45。进入第三节乔-约翰逊再入远投,马刺三分球火力仍没有打开,但在丹尼-格林远投连失后,阿德以前场篮板连续完成补篮,不到两节半时间阿德已砍下20+10,马刺重建两位数优势。篮网坚持内线对峙,洛佩兹对阿德送出封盖。波帅出招了!他用身高2米21的博班-马扬诺维奇换下邓肯,这一调整的效果立竿见影:马扬诺维奇压垮篮网内线,他与阿德相继完成打三分,并助吉诺比利射入三分球,马刺以16-4攻势建立20分以上优势。三节战罢马刺77-56领先。末节前段篮网又体现出反扑面貌,洛佩兹封盖了马扬诺维奇,篮网打出一波6-0攻势。波帅迅速安排莱昂纳德与帕克回场,莱昂纳德连入远投引出18-2的一波流攻势,马刺一度领先到31分。练兵时段马扬诺维奇两度表演灌篮。最终马刺106-79大胜篮网。媒体点评:换帅也没用!马刺高塔令篮网很丑陋美联社:这是篮网炒掉主帅与总经理后的第一战,但遇上马刺令篮网看起来并没有变化:又是以27分的分差输给了马刺(本赛季首次交锋,马刺主场102-75胜篮网)。马刺则依然稳定,这是马刺本赛季第14场至少净胜20分的比赛。《纽约邮报》:这是代理主帅托尼-布朗的首秀,他切身感受到了篮网的麻烦。布朗将艾灵顿与斯隆列入了首发阵容,但这对后场组合共是12投4中。而当马刺派出新秀马扬诺维奇后,比赛迅速被改变了,篮网变得丑陋不堪。篮网遭遇主场10连败。《圣安东尼奥快讯报》:凭借下半场61-41的火力,马刺取得赛季最佳的8连胜。阿德砍下本赛季第12次两双。莱昂纳德此战射入2个三分球后,本赛季射入的三分球总数达到70个,已创造个人新的赛季纪录。马扬诺维奇给出了积极的助推作用,现场球迷甚至因他发出这样的呼喊:“前进!马刺!前进!”首发阵容马刺:邓肯、阿尔德里奇、莱昂纳德、丹尼-格林、帕克篮网:布鲁克-洛佩兹、赛迪斯-杨、乔-约翰逊、艾灵顿、唐纳德-斯隆(天上火)版权声明:本文系腾讯体育独家稿件,未经授权,不得转载,否则将追究法律责任。扫描下载腾讯体育APP 赛事资讯一手全掌握

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杜兰特轰33+13锁定胜局 连续34场20+回击库里 【球星】杜兰特集锦 阿杜33分平筐战斧劈扣 腾讯体育1月30日讯 116-108,雷霆主场击败火箭,拿下三连胜。杜兰特表现出色,18投11中,贡献33分、13个篮板和3次助攻,这是他本赛季第12次得分超过30分,同时,也是连续34场得分20+。对杜少而言得分从来不是什么问题比赛一开场,杜兰特就进入进攻模式。他先是在内线接韦少妙传双手暴扣,随后不久又是中投得手,回到防守端还给了布鲁尔一个大帽。不过在接下来近7分钟的时间里,杜兰特受困于自己的失误和对方的防守,没能继续得分。直到第一节结束前1分钟,他又突然找回感觉,连续两次跳投命中。第一节打满12分钟,拿下9分3篮板1助攻1盖帽。第二节开始3分多钟,杜兰特替下莫罗,先是在进攻端强突造成卡佩拉犯规,两罚全中,随后又接韦少妙传,内线上篮得手。最精彩的一幕出现在距离半场结束还有2分55秒,韦少闪电速度突破内线,吸引了火箭所有防守球员的注意,在即将杀出底线之前,把球往回一甩,不偏不倚传到杜兰特手中,后者大力灌篮得手。半场结束,杜兰特10投6中,已经贡献16分5篮板2助攻。第三节,杜兰特在前9分多钟没有运动战进球,但是频频走上罚球线给对方造成杀伤,5罚全中。雷霆终于将比分反超,杜兰特的手感也被瞬间点燃,他接连送上暴扣、三分,不到两分钟内砍下7分。这一节,杜兰特单节拿下12分,三节打完,杜兰特已经砍下28分9篮板3助攻。到了第四节,杜兰特回到场上时,雷霆已经领先火箭8分。哈登曾经依靠罚球将分差缩小到6分,但是杜兰特挺身而出,先是一记跳投命中将分差拉回到8分,随后又是三分线外开炮,彻底宣判了火箭的死刑。33分和13个篮板,这也是杜兰特本赛季拿下的第8次得分篮板30+10的表现,在联盟中排名第二。此前,库里曾在采访中暗示勇士肯定能在接下来的一场比赛中击败雷霆。如果杜兰特在对勇士的比赛中继续拿出这样完美的表现,帮助球队击败对手,就是对库里这番挑衅最好的回应。(罗罗)扫描下载腾讯体育APP 尽享NBA视频直播

唯一的解释就是

5vs4!科比1分“力压”石佛 这是为告别彩排? 属于他们的时代已接近尽头……   新浪体育讯  北京时间1月23日,圣安东尼奥马刺作客斯台普斯球馆,最终不出意外地以108-95大获全胜。不过,老将蒂姆-邓肯本场比赛出场21分10秒,5投1中,只得到了4分3个篮板和3次助攻,算上上一场打小牛的比赛,石佛两场球9投1中,合砍6分,创下职业生涯一个新的低点。   数据显示,在邓肯的整个职业生涯里,连续两场比赛得分不超过4分的情况,还从来没有出现过。那么邓肯怎么了?是累了么?恐怕不是的。因为从周一主场对小牛,到今天客场打湖人,这中间隔了整整四天,其中昨天对太阳的客场比赛,马刺怕邓肯背靠背连续征战辛苦,更是干脆没让他打。所以,除了状态不佳之外,唯一的解释就是:邓肯真的老了。   多新鲜?!自从1997年进入联盟,这已经是邓肯在NBA征战的第19个赛季,而且不同于科比、加内特等高中生球员,邓肯是打完了大学四年才参加的选秀,所以论年龄他比后两者更长,如今已经是39岁又273天的老将,“老”还用你说?   不不不,年龄上,作为一名职业篮球运动员,邓肯当然已经是“古稀”之年。不过,从竞技状态上来讲,这恐怕是他职业生涯第一次出现大幅的滑落。在中国球迷中,流传着几个关于邓肯的有趣段子,什么“21岁新秀”啦,什么“未来是你的”啊,说的就是邓肯爷爷年年被认为不行了,结果年年用行动打脸的神奇的不老之谜。   远的不说,只说上赛季,邓肯每场比赛还有场均13.9分9.1个篮板3次助攻0.8次抢断以及2记封盖的贡献。每36分钟数据更是达到17.3分 11.4个篮板3.7次助攻1次抢断以及2.4次的封盖,基本维持了生涯平均水准。可是本赛季,即便只看更能反映球员比赛效率的每36分钟数据,邓肯的得分也滑落到了12.4分,篮板球和盖帽数也都有不同程度的下跌。   当然,这其中也有马刺战术重心调整的原因在内,随着考瓦伊-莱昂纳德的飞速崛起和拉马库斯-阿尔德里奇的加盟,波波维奇教练于本赛季正式将球的支配权更多向年轻人方向倾斜,造成邓肯的触球机会和出手数大量降低,直接影响到了他的得分。   事实上,即便到了今天,如果波波就是坚持主打邓肯,他还是能刷出不错的数据,只是个人效率和球队的整体表现如何,就很难保证了。而NBA的老将们,每当到了这个时候,也就清楚,自己距离离开的那一天,已经不远了。   同样的状况也发生在邓肯今天的对手,湖人队的超级明星科比-布莱恩特身上。过去几年时间里,传奇的科比被年龄和伤病击倒,甚至很难打出一个完整的赛季。本赛季,面对着即将到期的合同和愈发感到力不从心的身体状态,他终于决定在赛季结束后离开自己钟爱的硬木地板。   在正式宣布退役决定之后,科比曾经有过一波出色的个人状态,连续砍下高分的同时还保证了相当不错的比赛效率。但最近,伤痛再次找上门来,而让科比一直咬牙坚持的,主要是一股回馈球迷,完成好最后巡演的执着信念。   邓肯比科比要幸运一些,因为他的球队更有延续性,所以他有机会以胜利者的姿态告别。但不管怎样,属于他们的那个时代,现在已经结束了。   (熊猫)

恒大就净赚了1130万欧元

曝上港再挖恒大强援 1.2亿购埃神组新三叉戟埃尔克森将加盟上港? 上港有意恒大锋霸埃尔克森 重庆晚报讯 近日传得沸沸扬扬的埃尔克森加盟上港一事又有了最新进展。据称上港与埃尔克森签约只差官方宣布,并且将以1700万欧元(折合人民币约1.2亿元的转会费打破高拉特1500万欧元的中超引援纪录。如果真的埃尔克森加盟上港,这位两次帮助恒大拿到亚冠的功臣将与吉安、孔卡组成上港的恐怖三叉戟,其中埃尔克森和孔卡之前都是来自恒大。与往年恒大总是重磅引援不同,在冬季转会期间恒大却是在球员输出上吸引各方关注,一改挥金如土的印象,事实上如果埃尔克森真的能卖到1700万欧元,恒大就净赚了1130万欧元(2012年引进他时转会费为570万欧元)。据了解,加盟上港之后埃神的年薪也将由原来的400万涨至600万欧(折合人民币约4400万元)。不过目前上港高层相当谨慎,俱乐部总经理隋国扬甚至说:“我们没有和埃尔克森谈过。”重庆晚报记者 冯劼

“就算加在‘阿琼MK1’身上也一样超重”

印度阿琼坦克再受挫 难敌中巴坦克恐成阅兵专用-中新网 印度阿琼MK2坦克   据“今日印度”网站3月30日报道,印度国防研究与发展组织(DRDO)宣布,印度寄予厚望的下一代主战坦克“阿琼MK2”再度受挫,至少六个月之后,印度陆军才能启动用户测试。军事专家表示,从1974年“阿琼坦克”启动研发到现在已经有42年的时候,这么久的时间仍未吃透主战坦克的全套技术,不得不倚重外国帮助才能勉力维持,从“阿琼”身上,可见印度的自主军工水平到底有多高,这样的“印度制造”又有何意义?   “阿琼”坦克项目负责人表示,“阿琼MK2”的自重偏高,这是因为额外增加了楔形附加装甲和反应装甲,“就算加在‘阿琼MK1’身上也一样超重”,言外之意就是这是不可避免的。此外,印度陆军表示,“阿琼MK2”太重了以致很多桥梁都无法通过,对此,研发人员表示,针对这种情况已经研制了能够让该坦克通过的浮桥:“我们试图告诉陆军,就算有些地方‘阿琼MK2’无法通过,但肯定有别的地方能通行。”不知道印度陆军对这种“务实精神”如何以对。   印度媒体表示,围绕着印度国产坦克,印度陆军和印度国防研究与发展组织(DRDO)多年来争斗不断,前者在很大程度上依赖俄制T-72和T-90坦克,而后者则表示这对印度本国军工行业并不公平,经过长期斗争,目前已经有124辆“阿琼MK1”坦克在印军服役,印度军工部门的目标是将这些坦克全部升级为MK2型。   军事专家表示,印度“阿琼MK2”坦克再度传来不幸消息并不令人意外,因为印度所谓的国产坦克技术不过就是印度方面出设计方案,然后在全世界购买子系统进行整合工作,本质上与印度军队的“万国造”武器并无二致,虽然东拼西凑的先进装备确实不少,例如与以色列联合研制的综合战场管理系统(IBMS)、炮射导弹、激光告警系统(LCWS)以及德国制造的1500马力柴油发动机,但是这也造成了可靠性的下降以及单价的暴涨――近1000万美元的单价令“阿琼MK2”荣登全球最昂贵坦克的宝座。   “阿琼MK2”加挂了印度国产的爆炸反应装甲模块,号称能对抗尾翼稳定脱壳穿甲弹、高爆反坦克弹药,以及火箭助推榴弹,正面防护水平达到700毫米均质钢装甲,其坦克炮依旧为一门120毫米线膛炮,号称火力超过了T-72M和T-90,但是目前世界上主流坦克也仅有英国“挑战者”主战坦克还跟“阿琼”一样保留线膛炮而拒绝滑膛炮,是名副其实的非主流。此外“阿琼MK2”还能携带39枚以色列制造的炮射导弹。从纸面数据来看,“阿琼MK2”各项指标还勉强人意,但是考虑到“阿琼MK1”近半数坦克已经被印度陆军停驶的糟糕表现,这些纸面数据有多少能够成为现实还不得而知。   很有可能的是,“阿琼MK2”将继承“阿琼MK1”的衣钵,继续充当彰显“印度制造”荣光的阅兵专用坦克,而在真刀真枪的战争中,别说中国的99式主战坦克,就是巴基斯坦的MBT-2000主战坦克,都可能一枪将其挑于马下。对于“阿琼”的不争气,印度陆军心知肚明,一方面对政府支持“印度制造”的政策敷衍了事,另一方面,则大批量进口俄罗斯的T-90式主战坦克,将未来希望寄托其身。如此看来,这样一款连自家军队都不屑一顾的坦克到底有几斤几两,已经是显而易见之事了。(刘昆)

一王九帅十二宫1专家分析指出投桃报李的意思

  临近年底,各种资金开始回流,投资理财项目风险事件再度抬头。近日,信托、P2P风险事件再度出现,给投资人带来了较大的担忧。专家分析指出,在经济放缓阶段,投资人理财也要多了解产品所投行业,尽量避开高风险行业,同时要选择风控能力较强的投资机构产品。

  风险1

  年底P2P风险抬头

  近日,广州又一本土平台出现提现困难。上周,有365金融投资人爆料称,该平台已经连续数月无法提现,并称该平台法人代表已失联。有业内消息称,365金融待收金额6000多万元。记者在365金融官网看到,目前所有投标通道已经关闭,其业务中,基本以二手车贷和二手房抵押贷款为主。

  但从平台公开信息仍然可以看到,该平台预期年化收益率在15%-22%之间。另据业内人士了解,该平台车贷业务最高峰的月息为3-5分,相当于年化利率36%-60%。而给出的理财投资收益率也一度高达36%。

  如此的高收益率,一旦出现现金流问题,平台很容易出事。对于365金融出现提现困难,业内人士总结,主要原因是贷款项目出现问题。

  事实上,进入年底,P2P风险再度开始抬头。根据网贷之家、盈灿咨询的统计数据显示,从2015年广东省问题平台走势来看,6月、7月问题平台数量最多,8月、9月数量出现明显下降,而10月问题平台数量达到12家,最近几个月以来首次超过山东省(10家)在全国各省市问题平台数量排名第一位,广东省10月12家问题平台中,有8家问题平台类型为跑路。

  在经济增速持续放缓的背景下,目前投资人的风险意识也上升。渣打中国财富管理部总经理梁大伟表示,自从股市7月份大幅回调以后,客户开始明白什么叫风险调整以后的回报。“过去客户很看重产品预期收益,很看重过去产品的表现,但现在投资人更理性一些,会更关注未来的风险和稳定性。”梁大伟表示。

  网贷之家数据还显示,截至10月底,广东省网贷平台贷款余额为740.17亿元,环比9月上升了6.58%,增速出现放缓。虽然P2P平台总投资额仍然在上升,但是开始出现资金集中在大平台的现象。网贷之家分析指出,由于大平台风险相对更小,更受“小白”投资人的青睐,所以成交量出现上升主要以大平台为主。众多以高息吸引投资人的小平台风险开始加大。10月份多发的跑路事件再次给众多投资人敲响了风险的警钟。

  风险2

  华鑫信托产品出现兑付问题

  除了P2P,信托产品兑付问题最近又再度出现。近日,由华鑫信托法起并主动管理的“华鑫信托融鑫源4号能源投资集合(查询信托产品)”出现兑付问题。该信托计划在2013年8月6日成立,原应于2015年8月6日到期,因融资方无法正常还本付息,信托计划被延期三个月至11月6日到期。当时,信托公司提出将延期期限内投资人收益率由8.2%/年提高至10.2%/年。但11月6日,由于融资方经营困难,该项目再度不能按期兑付,导致信托产品出现了兑付危机。

  日前,该信托计划代销银行广发银行[微博]发布公告强调,广发银行是该产品的代销渠道之一,销售过程合规。广发银行表示,作为产品代销方,该行销售客户经理均为符合资质的营销人员,销售过程合法合规。“我们获知该信托产品不能如期兑付后,迅速成立了紧急处理小组,积极督促华鑫信托履行主动管理的职责,敦促采取更有力措施对融资方进行催收。”但华鑫信托迟迟没有公开回应如何处理此次兑付问题。

  据了解,该信托项目的融资方为宁夏宝塔能源化工有限公司,为宝塔石化集团旗下子公司,业务涵盖了石油化工供产销运一体,包括油品采购、炼油化工、储运批发、加油站经营等。截至2012年10月,该企业资产总额为103.99亿元,负债率为66.09%。宝塔石化集团旗下共有29家子公司,是上市公司宝塔石业的最大股东。据悉,因宝塔实业(000595,股吧)与施工方发生工程款纠纷,法院已冻结其银行账户资金837.9万元,之后,又冻结了宝塔石化持有该公司的1.99亿股。除了宝塔实业,宝塔石化集团及其他子公司,也多次陷入债务纠纷。

  据用益信托统计,目前,与宁夏宝塔能源化工有限公司相关的、正在运行中的产品共有三只。都属于非保本、自主管理型信托,并由宝塔石化集团作为连带责任保证担保。

  事实上,除了上述项目兑付风险,还有不少信托的政信业务风险也有所升高。近日,有消息称中江信托暂停了债务高风险地区自主管理类政信合作业务,暂停的区域包括内蒙古、黑龙江、吉林、辽宁、新疆、宁夏、甘肃、青海8省(自治区)及一般公共预算收入低于5亿元的贵州地区等债务高风险地区。

  中江信托解释称,当前经济形势依然严峻,部分地方政府财力紧张,已有内蒙古等地区政府出现违约,暂停部分业务,目的在于有效控制风险。用益信托还分析指出,对于过往比例较高的房地产信托,目前不少信托公司仍然态度谨慎,监管部门也对房地产信托风险进行了多次口头指导。

  风险3

  不良资产压力持续上升

  的确,今年下半年以来,随着经济放缓,资管金融机构面临的除了资产荒,还有不良风险。最近银监会公布的数据显示,三季度我国银行业不良率为1.59%,较上季末上升0.09个百分点。这已经是商业银行不良贷款率连续第9个季度上升。数据显示,商业银行不良贷款余额11863亿元,较上季末增加944亿元。银监会相关负责人表示,商业银行信用风险有所上升,信贷资产质量仍总体可控。

  从上市银行三季报来看,农业银行(601288,股吧)的不良率已经达到了2.02%,其他上市股份制银行不良率在1.3%-1.6%之间。

  而记者调研的过程中了解到,今年下半年,不少股份制银行已经暂停了纯信用贷款发放。在中山,某股份制银行中山分行小微企业部总经理告诉南方日报记者,感觉今年以来当地企业面临的经营环境是近几年以来最差的,在中山不少企业都表示生意难做。而基于对风险的判断,该行企业已经不向企业发放纯信用贷款,而要求有一定的抵押物和担保手段。“不止我们一家,实际上很多银行都开始这样做了。”

  银行尚有严格的监管指标,有充足的拨备和风险覆盖,即便不良上升,也有较强的资金实力核销不良。而对于大部分P2P平台而言,风控能力成为一个难以忽视的问题。网贷利率一般较高,对企业而言压力更大。一旦资金链出问题,企业很容易无力偿还形成坏账,尤其信用贷款类平台。即便部分有抵押,也容易因为理财资金无法滚动跟上,而导致资金链断裂。事实上,由于好的高收益项目越来越少,不少大平台发标的速度已经减缓了很多,而对于小平台而言,好的标的就更加难找。

  不过投资人也不必过于担心。广东互联网金融协会秘书长、网贷之家联合创始人朱明春分析认为,从目前掌握数据来看,今年P2P平台总体的情况还比较好。“今年上半年股市好,很多投资人将资金从平台转到P2P去,导致大批平台倒闭。到了下半年,股市低迷,钱从股市回到P2P平台,目前投资人还比较活跃,总体上平台的资金流情况尚好。预计今年年底的P2P倒闭潮会比今年上半年减缓。”

  但朱明春也认为,到了年底,的确会有平台在行业调整过程当中出局。“行业的风险还是跟实体经济下滑情况相关的,主要是体现在平台的坏账上。对于坏账,现在的平台一般采取垫付模式,但这样做会形成比较大的资金窟窿。”此外,朱明春还表示,有项目不能还款,需要展期或者资产拍卖,都需要有续投资金来稳步过渡,所以如果投资人不续投,也会出现风险。

  风险4

  警惕部分企业逾期风险

  目前经济增速放缓也将影响年底各类型投资的安全。央行[微博]公布的统计数据显示,10月社会融资规模和新增贷款大幅减少并双双创下去年7月份以来新低,除贷款外的社会融资规模出现负增长。其中,居民户中长期贷款报1998亿元,为今年4月份以来最低,显示地产销售回暖的后劲不足,企业户中长期贷款报1519亿元,不足9月数据的一半,企业投资扩张的意愿低迷。

  “金融数据更多的还是反映了实体经济羸弱有效需求不足,以及面临坏账压力下银行对风控标准提高。”招商银行(600036,股吧)同业金融总部高级分析师刘东亮[微博]表示。

  值得注意的是,过往信托等理财项目所偏好的房地产投资持续降温。数据显示,投资中的房地产增幅回落至2%,逼近2009年1月的历史低点1%,新屋开工面积为-13.9%,跌幅在短暂收窄后又有所扩大,地产销售端的好转迟迟不能传导到投资端。“预计地产投资下滑的局面难以改观。”刘东亮分析指出。

  与此同时,制造业与基建投资表现亦不佳。在投资下滑之际,基建投资未能跟上,无法对冲其他板块的减少,而制造业投资仍然偏高,导致产能过剩局面难以化解。与房地产相关的家电、家具、装修板块出现大幅降温,也失去了前几个月持续改善的势头。

  在此情况下,金融投资面临的行业风险压力也进一步增大。朱明春认为,投资人投资的过程中,除了关注发行主体的风控能力,还要还对其投资所从事的行业有风险判断。比如房地产,这个行业本身就在调整,风险比较高。同时,家具行业受房地产影响,风险也还是比较高的。“所以要判断一个平台风险情况,第一个要看风控能力,第二个要看业务类型。第三是平台的背景,若真出现坏账,是否有垫付能力填补窟窿。还是建议投资人选择背景比较好的大平台和业务比较透明的平台。”

  格上理财研究员也认为,对收益较高的信托产品也要更加谨慎,由于信托事实上并非刚性兑付。目前,信托规模已经接近16万亿,积累了一定的风险。一些项目出现问题后,打破刚性兑付是大势所趋,投资者在选择投资项目时应保持更加谨慎的态度。其次,基础产业类信托虽然有政府隐性担保,有抵押物和第三方担保等风控措施,但仍然应当关注项目自身的还款能力和还款来源

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寻根究底的意思增值是财富的追求文通鼠标手写输入法下载

  80后新婚夫妻如何购买保险?

  年交保费预算是家庭年收入10%,家庭成员总保额为家庭年总收入10倍

  ■新快报记者 庞倩影

  近期,不少新婚夫妇致电或发邮件到本报《赚钱周刊》表达自己的困惑:一方面,忙着买房购车;另一方面,又怕保险“缺席”,一旦出事就“手停口停”。

  下面介绍一个案例,具体解析一下如何规避新婚夫妇家庭生活中的风险。

  ●背景介绍

  80后新婚夫妻,丈夫张先生,30岁,广州某企业销售经理,收入不够稳定,近两年平均税后月薪1万元左右,年终奖视业绩而定,大概是2万元。妻子刘女士,27岁,广州某事业单位员工,月薪8000元,工作稳定,每年度各类奖金合计1.5万元左右。家庭有定期存款8万元,活期存款5万元,3万元股票资产,5万元基金资产。双方父母都有比较可观的退休金,暂时没有养老的负担。

  ●支出情况

  今年父母给首期,小夫妻自己贷款了60万元按揭了一套130万元的住房,还款周期是10年,每月公积金按揭还款额约6200元。购置12万元的私家车一辆,贷款10万元,还款周期是5年,每月还款额加用车费用共4500元。每个月的日常支出约为2000元,医疗费200元。除参加基本社会保险外没有购买任何商业保险。

  ●理财和保障需求

  张先生希望通过简单安全、节约成本的理财方式,达成既能支付房贷、车贷,又有一定的保障的要求,还需要资金具备安全、流动、收益性,享有高保障。不想进行复杂型的投资。

  A方案

  年缴1.87万元,有车有房有保障

  张先生夫妇新婚燕尔,处于家庭形成期,储蓄较少,消费欲望高,未来几年面临育儿等问题,开支会逐步加大。从家庭负债表也可看出,目前要注意开源节流,为今后的生活做好各方面的理财规划。

  信诚人寿保险有限公司理财规划师在诊断上述情况后,为张先生理清了家庭资产负债情况和家庭年度资金流量(见表1、表2),设计了一个方案。

  分析张先生夫妇的理财目标包括四个方面:家庭财务筹划;家庭成员商业保险保障计划;资产保值增值,抵御通涨;准备育儿金。

  留足5个月生活开支现金流

  首先,在家庭财务筹划上,根据张先生夫妇的资产情况,由于丈夫收入不算稳定,建议留足5个月的生活开支作为必要储备。张先生夫妇流动资金为13万元,建议张先生留7万元左右作为家庭预备金,其余6万元可进行其他理财投资,增加资金的收益率。

  在家庭成员商业保险保障计划上,家庭必须不出现失业、重大病患、意外等突发情况,这是张先生夫妇需要综合考虑的问题。夫妇两人除基本社保外均无商业保险,家庭保障显然不充分。因此,建议准备家庭所需的保障额度约等于5年家庭支出的费用,假设发生意外或疾病,这笔保险可以保证家庭在偿还债务的情况下维持5年的正常生活水平,作为一个妥当过渡期。建议张先生夫妇将家庭保障额度匹配到约80万元。

  经济支柱保障额度宜略高

  其次,保持家庭成员间的保障额度的合理。张先生夫妇同时担负起家庭的经济支柱,妻子在事业单位,经济收入较稳定,保额比例可以低点;张先生与刘女士的收入相近,也要有较大比例,体现保障额度与责任相匹配的原则。建议两人的保障额度为,丈夫∶妻子=6∶4。

  根据风险发生率选择产品

  张先生夫妇都处于人生打拼期,工作繁忙,压力大,外出机会多,且是自驾一族,属于重大疾病及意外的高发群体,建议两人选择以重大疾病保险、意外保险为主,保费低保障额度高。同时,夫妇二人即将生小孩,如果时机成熟,可考虑为子女养育金做准备。

  此外,建议张先生夫妇做好家庭保险规划(重疾险/意外险),如张先生(30岁)同时给自己和太太刘女士(27岁)投保了相关健康保障计划,重大疾病保险金额分别都为30万元,保险期至70岁,缴费期20年,累计年缴保费15272.2元。

  张先生再为自己购买了一份10年缴的相关返还型意外保障计划,年缴保费3400元,立即拥有高达200万元的自驾车意外身故险,保障30年。此后张先生健康平安地生活至65岁,保险合同期满。10年累计缴费34000元,满期返还40800元,将获得20%的增值。

  考虑到现阶段张先生夫妇需要累积流动性资产,流动性资产包括现金(活期储蓄存款)、短期性的投资(定期存款),以便适时应付紧急支付或投资机会。一般来讲,流动性资产的总值应该保持在相当于3至6个月家庭收入所得。在有财可理的前提下,再累积投资性资产包括股票、债券、基金、黄金和外汇等金融产品,通常是用以长期投资,为将来育儿、换房等提前做准备。

  B方案

  购买年金险,实施强制储蓄

  张先生是新婚,暂时没有子女,家庭框架刚刚建立。特点为事业刚刚起步,购房买车须偿还房贷、车贷,夫妻责任、债务责任增加,保险需求增加。两人虽有基础社保,但暂无任何商业保险,急需进行补充。应急基金是稳定的基石,增值是财富的追求。新婚家庭急需进行现金规划和保障规划。

  根据张先生的家庭情况,新华保险相关分析人士建议商业保险应当选择高保额的保障性产品,购买年金险帮助家庭强制储蓄,为未来家庭的重大支出,如子女教育金做好充足储备。

  其还强调,年交保费预算必须是家庭年收入的10%左右,低于这个标准起不到保障作用,高于这个标准缴费会有压力。家庭成员总保额为家庭年总收入的10倍左右为佳。

  ●理财方案

  “惠鑫宝”+“乐行无忧”

  意外险和年金险是幸福生活的保证。其中意外险的保额应该随着家庭的总收入的变化而不断增加,高额意外保障可以规避意外风险,保障家庭无后顾之忧;年金理财保险则可以保证家庭享有高品质的生活,规划子女教育及养老等重大支出。因此,建议投保新华保险“惠鑫宝”年金理财保险计划和“乐行无忧”两全保险组合,以满足张先生多种规划和人身保障的要求(见表3) 。

  理财规划师指出,该组合具有三大优势。其一,见效快、双增值:生效满一年后每年领取惠鑫宝首年保费的12%,生存金年年给付;生存金进入万能账户再次增值,收益领取两不误。其二,保安全、好规划:满期至少返还产品所交保费,乐享增值好安心;规避中长期利率波动,满足教育、养老多种人生规划。其三,高保障、享美满:涵盖驾乘车意外、航空意外、公共交通工具意外、一般意外以及疾病身故全残五重高额保障,30年尊享百万元身价,为张先生及其家庭保驾护航。

  新华保险相关负责人分析案例后表示,与其他金融工具不同,保险在作为防守型工具发挥作用时,独具以小御大的特点,即可以用少量的资金抵御数十倍、数百倍,甚至数千数万倍于保险费本身的风险。这一点是其他金融工具无法替代的。人生需要规划,没有规划会让我们与财务自由渐行渐远,理财是理一生的财,也就是一生的现金流量与风险管理。

 

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  徐先生是郑州某IT企业销售部门负责人,传统的“70后”,月收入在15000元。基本上保持每个月5000元的花销,多用于对儿子的各类投资。徐先生家里专设了一个宝宝“基金”,当孩子有需要用到的时候,就从那里面支取费用。

  自从有了宝宝,徐先生的工作状态就变得更加疯狂。以前做行政的他,开始改走销售路线。所幸徐先生很快就适应了销售一职,并最终成为销售部的负责人,月收入也由以前的5000元增长到了现在的15000元,这还不包括年终的大红包。

  (东方今报)

  【理财目标】:孩子的支出占月收入的1/3,并想为孩子存一笔教育基金。

  【理财建议】:教育理财及早动手。

  徐先生太太也是外企里的中层管理人员,每月收入稳定且年终回报甚丰,算下来月入都是上万元。徐先生和太太的主要投资方向是基金和保险。

  理财师表示,如今子女的抚养教育费用越来越高。如果不理财,只是把资金存进银行,拿每年1.8%的定期储蓄税后收益,估计还追不上物价的上涨速度。因此,教育理财一定要及早动手。

  目前,不少银行推出专门针对孩子教育的理财产品,年收益在3%左右。产品设计一般充分考虑到客户积累教育资金的需求,根据客户的不同风险和收益偏好,设计出教育储蓄、教育保险、基金等综合性的理财方案。

  另外,银行与基金管理公司合作,会对投资组合产品的市场变动收益与风险进行定期分析,并为客户提供买卖交易建议。

  理财建议:

  最好买承保到孩子25岁前的教育险

  保险专家指出,目前市场上的教育金保险主要有三类:一是纯粹的教育金保险,主要提供初中、高中和大学期间的教育费用;二是针对某个阶段的教育金保险,通常是针对初中、高中或者大学的某个阶段,主要以附加险的形式出现;三是不仅能提供初中、高中及大学的教育费用,还可以提供以后的生存保险。

  建议家长选择高等教育金保险一定要量力而为。如果家庭年储蓄额超过20万元,考虑一部分用做高等教育金储蓄。

  另外,一些比较流行的万能险、投连险作为教育金储蓄目的也是可以的。只是这类险种的收益是不确定的(特别是投连险);同时,这两个险种的条款比一般的险种复杂,往往有一些初始费用、保障成本等方面的扣除,家长最好看懂才购买。

  另外,保险人士介绍,目前市场上很多教育险都带有其他的保障功能,比如带有安全保障或者健康保障的,但赔付金都不多,这些最好只作为参考指标。

  而且,最好购买只承保到孩子25岁前的教育险,因为随着孩子的成长,其保障的内容与重点需要发生改变,到孩子25岁以后,可以选择购买成人险种,这样保障会更高。

  同时,家长在购买少儿教育保险时,还应该注意保险产品条款中的保费豁免功能。

  保费豁免是指保单的投保人如不幸身故或者因严重伤残丧失缴保费的能力,保险公司将免去其以后要缴的保费,而保单继续有效,子女仍可领到与正常缴费一样的保险金。也就是说,如果购买了可豁免保费的保险产品,一旦父母发生意外,孩子不仅可免缴保费,还可获得一份生活费,这样保障更趋人性化。

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耳边风的意思  储蓄国债是政府面向个人投资者发行的不假思索的意思

  理财是对个人或者家庭资产进行管理,通过有效的理财可以使资产保值增值,如果采用了不恰当的理财方式,钱反而会越理越少,那么什么才是最有效的理财方式?对此,嘉丰瑞德理财师总结出四种。

  第一种:银行保证收益理财

  银行保证收益理财,是指银行向投资者支付约定好的收益,风险由银行承担,比如约定好年收益率是5%,那么到期后客户可以拿到5%的收益;除了约定固定收益的,也有约定最低收益的,比如约定好最低年收益2%,那么到期后客户最少能拿到2%的收益。

  这种理财方式保证客户能够拿到一定的收益,也就保证了客户资金的保值增值,因此属于最有效的理财方式之一。

  第二种:储蓄国债

  储蓄国债是政府面向个人投资者发行的,以吸收个人储蓄资金为目的,满足长期储蓄投资需求的国债品种。

  基于其特点,储蓄国债适合做长期投资,三年期利率5%,五年期利率5.41%,收益率均高于同期银行定期存款,因此储蓄国债也是个很高效的理财方式。

  第三种:货币型基金

  基金理财产品中,兼具安全稳定性和收益水平的就是货币型基金了。一般的货币型基金年化收益率4%左右,“准储蓄”产品的称号也意味着极高的安全性。

  货币型基金收益率虽然不比股票型基金,但是股票型基金随时会有亏本的风险,本金不保就违背了理财的初衷。因此,投资理财,安全和收益俱佳的货币型基金也是高效的方式。

  第四种:固定收益类理财

  这里的固定收益类理财有别于银行的保证收益理财,比如固定收益类信托,年化收益率在8%-13%之间,投资门槛普遍在100万元以上;再比如宜盛财富宜盛宝,年收益率10%-13.5%,起投金额仅10万元。

  固定收益类理财,由于事先约定好了收益,未来能有多少利润清晰可见,因此也是一种很有效的理财方式。

  理财的最终目的是使财富保值增值,嘉丰瑞德理财师总结的以上四种方式完全符合理财的初衷,也就属于最有效的四种理财方式。

 

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犀牛甲虫蛴螬建议张先生选择“基金定投”方式

  上周,中国银行四川省分行的金牌理财师黄玲给大家分享了5万元年终奖的三口之家理财之道。今天,让我们看看一位月收入近万元,2013年年终奖10万元的单身男如何理财,实现资产的保值增值。

  客户基本信息:张先生,32岁,在某股份公司任部门主管,平时工作比较繁忙,投资偏稳健。

  家庭背景:单身,工资每月收入9000元,名下有30万元的1年定期存款(2014年1月28日到期)。无自有房产,目前与父母共同生活,每月只需支付生活费用2000元,个人日常开销约5000元~6000元。除社保外,商业保险暂时充足。

  理财期望:希望让个人资产保值增值,实现自己“高储蓄”目标,为今后结婚、生子奠定经济基础。

  家庭年终奖:10万元

  理财规划:

  通过分析,张先生在成都属于中高收入人群,单身与父母同住,经济负担轻,但由于自己日常高消费和不善于理财的习惯,导致目前储蓄较低,有必要调整消费习惯。建议:

  一、合理规划每月工资收入。目前基金产品类型丰富,从保本固定收益、保本浮动收益到非保本浮动收益类都可自主选择,涵盖了货币、债券、股票和混合型,起点金额低,投资方向灵活,绝大部分产品都可随时申购赎回。根据目前股市行情,建议张先生选择“基金定投”方式,每月进行“强制储蓄”,投资金额4000元~5000元。

  二、将年终奖进行“基金+银行理财产品”的组合投资,兼顾安全性、收益性、流动性,是实现“高储蓄”目标的第二保障。因此,在扣除春节期间必要开支外,建议张先生把剩余年终奖与到期后的30万元定期存款合并打理,60%资金可投资于银行稳健型理财产品,期限3个月~12个月,预期年化收益率5.5%~6.5%,10%投资于灵活性强的货币基金(如海富通货币),预期年化收益率4%~6%,10%投资于债券型基金,20%投资于有“打新”元素或是投资于电子信息、医疗等行业的股票型基金(如长盛电子信息产业、国投瑞银医疗保健),获得预期超额收益。

  由于张先生平时工作繁忙,建议可通过“中国银行网上银行”或“中银掌上行”手机银行进行投资理财操作。(文/杨斌)

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平泽里菜子薄熈来得罪了谁

  小时候,你是不是也会将特别新的纸币单独保存下来,如果一直保存着,你会发现这些纸币都成了收藏品,价值一夜之间暴涨上去,如果其中有某张第三版或者第二版人民币,价值竟不亚于中了一张彩票。除了经济价值上的增加,纸币上的图案也记录对了那个时代的回忆,所以很多人对人民币收藏有着一种特殊的情怀。本期,我们就一起聊聊人民币收藏的话题。

  人民币的收藏价值比古玩有过之而无不及。原因是人民币收藏在价格方面显然比古玩低很多,而其升值空间却比古玩高很多,受到很多理性收藏者的热捧。与此同时,人们更容易了解到人民币的收藏知识、收藏价值、收藏价格等,人民币收藏价格行情也比古玩行情更容易获知。人民币的种类虽然多但总归有限,方便收藏,其种类主要包括纪念币、贵金属、金银币、连体钞等,而古玩种类太多,非专业人士不能判断其具体价值。

  人民币之所以具有收藏价值,除了其本身面值就赋予的价值之外,无论是纸币还是硬币,所呈现的画面都与政治、经济、文化、地理、科技等现实意义相结合。一张薄薄的纸币,抑或一枚小小的硬币,都可能承载着一段历史、一份情怀。比如纪念币的发行量很少,且体现的艺术画面更加多样化,无论是从稀有的角度还是艺术的角度来说,都是值得收藏、品鉴和传世的。

  人民币中最具收藏价值的三大类

  纪念币:纪念钱币是以纪念历史上发生的重大事件或以历史名人、科学家、英雄人物为设计主题,用高超的制模技术、精湛的生产工艺制造而成。其本身就具有价值作用,随着时间的推移,其价值会成倍乃至上百倍地增长,成为收藏品。 

  精制流通硬币:精制流通硬币是采用金银纪念币的铸造工艺精加工而成。与普通流通硬币相比,它表面光亮,图纹更加清晰、饱满,有较完美的艺术效果和观赏价值。 

  特殊号码钞票:一套钞票号码尾数有三个以上数字相同就有收藏价值,尾数相同数字越多,其收藏价值越大。

  如何判断收藏价值

  人民币收藏价值的高低分两个方面,一是人民币的珍贵度,二是人民币的稀缺度。

  1.珍贵度

  人民币珍贵度主要根据人民币票券产生的政治历史背景、票面形式特征、年号及冠号特征等标志来评定。例如第一套人民币200元佛香阁票券的正背面以暗记形式刻有“解放全中国”、“拥护毛主席和平条件”两条政治宣传口号,这些文字充分反映了当时的革命形势和政治目标,是珍贵的革命文物。

  人民币上的年号表示票版的设计制版时间,一般在每套人民币中,设计制版时间较早的票券较珍贵。例如第一套人民币中的50元水车、矿车00000001票券为国内藏家石雷先生所收藏,被称为稀世珍宝。

  此外,我国第二套人民币3 元、5 元(1953年版酱紫色)、10元三种大面额票券,由于受当时印制条件限制,委托苏联代印,因此,这三种票券都比较珍贵。

  2.稀缺度

  人民币稀缺度主要根据票币的存世量来评定。票币的发行年代、面值大小、冠号的位数以及收回方式等都是评定标志。一般来说,人民币发行年代越早越稀缺,因为纸币不能长期保存,例如第三套人民币中发行最早的1960年版枣红色1角券和1962年版背绿色1角券,现在已很难见到,是第三套人民币中最稀缺的两张票券。

  其次,高面值的人民币较低面值的人民币存世量少。因为高面值人民币大多都被收回,除特殊情况外,民间一般不会保存。例如第一套人民币中的50000元券和第二套人民币中的10元券存世量都很少。

  3.其他判断标准

  首先关注品相,任何一张纸币,如果品相不好,就会贬值大半,即使号码再好,价格也难以拔高。

  其次,应该考虑所买号码收集的难易程度。拿多重尾号来说,三重、四重号码在市场价格基础上议价幅度不超过30%,5重以上可以溢价50%左右,全同就大不一样了,收集难度大,价格自然高很多。

  第三,还要考虑收藏纸币本身是否属于稀缺品种。同样的全同号或顺序号、对称号,版别不同,价值也会有很大差异。一二三版纸币、外汇券、国库券的趣味号码找起来就困难得多。

  最后,主要收藏渠道包括古玩市场淘宝、成套纪念册购买两种。因为钱币伪造成本较高,伪造难度又大,因此遭遇假币情况较少发生。

  人民币纸币保存 “四防”

  纸币收藏在保管中有许多应注意的地方,可以总结为四防,即防“霉”、防“折”、防“蛀”、防“褪”。

  1.“霉”即霉变

  防止霉变的关键在于防潮,在南方与沿海地区尤为重要。防潮的焦点是纸币所处的温度与湿度。纸币保存的最佳室内温度是18度至20度,湿度(相对湿度)是50度至60度。在处理藏品时尽量不要在夏日的高温与潮湿的环境中进行。一般说,旧纸币较新纸币更易发霉,一旦发霉,可用质地柔软的纸或布轻轻地擦拭。霉变严重的纸币,可将其浸在鲜牛奶中,加少量的盐浸泡一小时后捞出,再用清水漂清,并用吸水纸吸干,在略潮时将纸币放平夹在白本子中,压上重物使之平整。 

  2.“折”即折污  

  全新纸币忌用手摸、物捻。因为手上有油、汗,容易污染币面。观看品相时,要用摄子,纸币最好装入集币册中。对于有轻度软折的纸币,平整地放在书中,压上重物,几天后就会平整。而有明显硬折的纸币,其票面有一般较脏,可用清水洗后,晾干。薄棉纸印的纸币,忌用水清洗,因其容易损伤印面,使其模糊不清。对于不平整的纸币,忌用电熨斗烫平,因为易伤纸质。

  3.“蛀”即虫蛀

  防止虫蛀是重点在天保持纸币的干燥与通风,对于长期保存的纸币,应每年定期翻阅。一是起到通风作用,二是检查藏品是否有变化。千万不要将纸币和报纸、书籍等杂物堆放在一起。对于虫蛀的纸币要进行裱修。 

  4.“褪”即褪色

  防止纸币褪色的关健是避免纸币在阳光下暴晒。纸币在经过一个较长时期保存后都会有不同程度的褪色, 这与纸币质与油墨的优劣有直接关系。纸币忌用碱性、酸性液体清洗,否则易褪色。一般不应将纸币放在玻璃纸袋中,这样也易褪色。纸币一旦褪色,将无法弥补。

  人民币收藏后的增值是缓慢而稳健的。因此,往往收藏者都更加理性,将艺术价值和个人喜好放在主要的位置上,这更加符合收藏所能带给人们生活益处的真谛。

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柚木提娜75部合集8.64万元霍格沃茨的魔文教授

  大洋新闻 时间: 2014-09-03来源: 信息时报 作者: 王文佳

  “小米白粥”和她老公都是1989年生人。2010年毕业后,他们成为了毕婚族回到家乡三线城市工作,“小米白粥”是一名月收入4000元的报社编辑,她老公则在外企找到了月薪6000元的工作,家庭收入有1万元。在拿到第一笔工资的那天,他们就设定了4年内买房和买车的理财目标。

  刚工作时他们住在单位提供的宿舍里,上下班用电动自行车省去了不少交通费,每月的生活支出在1600元左右,每年孝敬双方父母的支出约5000元,且将每年花在人情往来和旅游的支出控制在1万元以内。对于结余,他们首先是办理了一年期零存整取业务,每个月固定存3000元,一年后他们连本加息攒够了5万元。

  “5万元放在银行活期等于贬值”,于是,小白米粥调整了他们的理财计划,每月存定存的方案不变,再将手头的5万元拿去买银行理财产品。

  经过三轮零存整取和投资银行理财产品,到今年6月时,所有资产已经达到了47万,足够支付他们所在城市一套103平米三居室的22万元首付,和一辆价值10万元的小轿车。

  理财账本

  前半年

  活期账户:5万元(后用于银行理财)

  3年后共计:8.64万元

  此后三年半(工资收入每月增加2000元)

  家庭工资收入:1.2万×42=50.4万元

  支出:

  生活支出1600元×42+必要支出+孝敬父母5000元×3=13万元

  可理财的资金:37万元

  定存本息=14.81万元

  备用金3万元

  可用于买银行理财产品:5万元+22万元=27万元(后来他们结算理财产品的时候有30万)

  银行理财:以每次5万元半年算,三年半可以买7次,5.6%收益率=27+7497×7=33万元

  总计银行理财:

  30万元+定存本息14.8万元+备用金活期3万元=47.8万元左右

  信息时报记者 王文佳

  

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建行积分兑换商城按相同的保额计算懒惰女王爷

表

  想获得长期保障 消费型保险VS储蓄型保险怎么选?

  “相同的保额,消费型重疾险每年只需要几百元,储蓄型重疾险每年则需要几千元,消费型重疾险是否会更加划算?”近日,不少消费者向记者咨询市场上两种类型重疾险的保费差异。

  记者以两个不同年龄层次市民的案例咨询专家发现,事实恰恰相反:若不计算通胀等其他因素,若想获得长期保障,无论哪个年龄层次,消费型重疾险全程缴纳的保费比储蓄型要贵一倍以上。

  文/记者周慧、潘彧

  专家建议:

  长期保障

  储蓄型重疾险更划算

  从两个案例可算出,无论是25岁的杨小姐还是40岁的黎先生,由于都想获得长期重大疾病保障,所以购买储蓄型是相对划算的。专家表示,消费型重疾险的不足在于,一方面保障期限较短;另一方面,随着消费者年龄的增长,风险概率增加,消费型保险的保费也水涨船高。

  专家提醒,不考虑通胀因素,消费型险种虽然在初期便宜,但买到最后由于年龄的增加风险系数加大,所以保费也相应翻番。作为长期保障而言,消费者宜购买储蓄型,作为初期储蓄较少的消费者,可以较低的保费获得短期的足额保障。

  年入六万元年轻白领

  杨小姐今年25岁,大学毕业没多久,在一家小型国企任职,月入3000元,年终奖1万元左右。读大学时开始经营淘宝店,目前小有规模,每个月总计平均收入4000元。

  由于公司中午提供工作餐,杨小姐每个月的伙食花销在800元左右,租房花销在千元左右,电话费每月一两百元。由于淘宝店需要进货,交通费用较高,每个月大约在500元左右,其余购物和社交旅行方面开销分摊到每个月约千元左右,合计每月开销约3500元。

  理财建议:

  根据杨小姐的财务状况,年收入为5.8万元,除去各类花销,每年余钱16000元,“根据年保费控制在年收入十分之一以内的原则,杨小姐每年支出保费在4000元左右为宜。”为此,保险专家为杨小姐设计了两组保险方案,一组是储蓄型保险组合,一组是纯消费型组合(见右表)。

  记者算账:

  10万元重疾保障消费型保费高2倍

  记者发现,储蓄型保险组合每年保费为3803元,而消费型保险组合每年保费刚过1000元。看似消费型保险实惠不少。

  但是,记者帮杨小姐算了一笔账,由于其意外伤害保险和医疗险都是消费型,所以区别主要在于重疾险。按照储蓄型保险购买方式,她从现在开始购买,缴费20年,共花费63600元,但保障期限是80岁,额度是10万元,若没有任何疾病,保费到时可返还。

  而如果购买消费型险种,按相同的保额计算,从25岁到30岁,杨小姐每年需缴费396元,但过了30岁每年缴费变成768元。到了60岁,若还想获得相同的保障,则保费每年变成15684元。记者初步计算得出,若杨小姐持续购买消费型险种,到了70岁,初步保费开支为20万元左右,而且是无返还的。

  年入25万元中年金领

  40岁的黎先生在一家私企任中层,妻子是全职太太,儿子上幼儿园。据黎先生介绍,年薪约在20万元左右,其余会有5万元左右的分红和各种补贴收入。

  “目前居住的房子市价约在250万元,每个月还6500元左右。”此外,家庭有60万元左右的存款和20万元的股票投资。

  在家庭开销方面,每个月约在1.5万元左右。

  理财建议:

  专家建议黎先生合理分配家庭资产。40%用于生活开销,30%用于供房及投资,20%用于存款,10%用于保险,保障兼顾家庭收入和未来养老规划,每年保费在年收入十分之一,即约2.5万元,保障额度在十年家庭收入以上,约为250万元。

  记者算账:

  60万重疾保障

  消费型多付30万元

  记者计算得出,黎先生从40岁起购储蓄型重疾险,年花费9980元,20年共缴纳保费近20万元,可获得最高60万元的重疾保障。但按同样保额,若选消费型重疾险,第一年保费需4296元,等到60岁,缴费金额变成每年26000元,所以到70岁共需要花费近50万元。

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游龙戏凤天才小王妃可以采取“首付+公积金贷款”方式来买房性奴戴桂琴

  网友小颖小姐,大学毕业后就在海口找了一份行政助理的工作,每月收入2373元,年终奖3000元,没有额外收入,也没有任何负债,公司缴纳五险一金。目前已工作两年,和同学合租住房,每月房租水电费固定支出750元整,其他月消费900元。公司包中餐,早餐买面包和豆浆,晚餐一般都是自己做饭吃。但是平时控制不住购物欲望,乱花钱,是典型的月光族,至今没有任何存款。现在想学习理财,规划下自己的收入,希望能在3年内在海口贷款买一套小户型房,希望嘉丰瑞德理财师给予理财建议。

  【理财目标】

  3年内贷款在海口买一套小户型房。

  和讯理财频道特邀嘉丰瑞德理财师为网友量身定做理财案例如下:

  【财务分析】

  根据小颖小姐的个人财务情况,嘉丰瑞德理财师做了简单的个人收支统计表,并进行了个人财务分析,具体如下:

  1、家庭财务分析

  表一:家庭收支统计表

个人收支统计表
个人收入 个人支出
项目 月收入 年收入 项目 月支出 年支出
工资 2373 28476 日常生活 750 9000
奖金 3000 其他 900 10800
总计 31476 支出合计 19800
年结余 11676
                                          来源:嘉丰瑞德_Copyright©www.saferich.com

  2、理财目标分析

  对于像小颖小姐这样的年轻单身“月光族”来说,目前最重要的就是要学会控制消费,强制储蓄,来累积人生的第一笔财富;其次3年内要想买房,可以采取“首付+公积金贷款”方式来买房,不过以后每月要承受一定的还款压力,前提要做好心理的准备。另外,还不要忘记为自己配置一份商业保险,来提高个人保障。

  【理财建议】

  综合分析了小颖小姐的个人财务情况,嘉丰瑞德理财师提出理财建议如下:

  1、控制消费,强制储蓄

  小颖小姐每月收入2373元,每月生活支出750元整,其他月消费900元,如果没有其他消费,每月基本能结余723元。但是由于小颖小姐一些不恰当消费,基本上每月都是月光。因此嘉丰瑞德理财师建议小颖小姐首先要改变“收入-支出=储蓄”的理财思维,否则这样只会让自己永远存不起钱来,应该为“收入-储蓄=支出”。并建议小颖小姐每月拿出部分钱用于储蓄,比如拿出500元作为平时个人的应急资金,可选择一些流动性较强的理财方式,比如零存整取,年利率2.85%;货币市场基金,年化收益一般在4%左右;或者放在余额宝[微博]中,目前7日年化收益率4%左右,既能理财,又可以随时用于购物。储备金额可随工作经验的增加,收入的增长,也适当增加,未来将会有一笔不少的储蓄,为以后的买房和投资做好准备。对于用在支出的钱,在消费时要做到每分钱用到实处,不该花的钱不要花。小颖小姐最好能养成记账的好习惯,不仅能帮助有效控制消费,还能帮你清楚了解自己每月的收入和支出情况。

  2、筹集资金,准备买房

  按照目前小颖小姐的财务情况,3年内要想买房基本不可能。所以嘉丰瑞德理财师建议小颖小姐采取“首付+公积金贷款”方式来买房。首先由于小颖小姐是购买首套住房,如果这套住房的建筑面积在90平方米(含90平方米)以下,首付款比例为30%,假如是70万元的小户型房,首付款为21万元,这部分资金可以一来3年自己大概能存下3-4万元,其次父母支持一部分,再向亲戚朋友借点钱来支付首付。

  剩余的49万元,可以申请住房公积金贷款,最高贷款额为50万元,这样已经足够购买该套住房了。住房公积金贷款的期限设为最长30年,等额本期还法,每月需还2533元,考虑到小颖小姐如果控制消费,勤俭节约,每月预计最多能结余1500元左右,还不足以还贷,因此理财师建议小颖小姐除了努力工作升值加薪外,最好再兼职一份工作,赚的额外收入用于还贷才行!

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截教焰中仙长期投资也享受复利增值李天佑简历

  不同家庭可根据自身情况选择储蓄、儿童账户、基金定投等不同理财方式

  春节期间,网上爆出猛料,沈阳27岁小伙子李博7岁开始攒压岁钱,加上父母平时给的零花钱,20年来连本带利息攒下了13万元,最近他用压岁钱付首付买下了一套80平米的房子。如今,压岁钱水涨船高,春节压岁钱过万元的不在少数。杨先生的儿子今年压岁钱就将近2万。他也想给孩子的压岁钱理理财。“最重要的就是培养孩子有计划、有目的地使用资金的意识。让孩子认识到钱的积累,培养理财的习惯,明确自己要干什么。”

  理财师建议,不同家庭可以根据自身情况制定压岁钱理财方案,使压岁钱保值增值。希望保本无风险的,可以选择储蓄,教会孩子学会管理现金;也可以从小培养孩子的理财意识,到银行开立儿童账户;而每月拿出一些钱做基金定投,累积的收益就更为可观。

  教育储蓄 零存整取获得整存收益

  教育储蓄类似于基金定投,每月存入固定的金额,储蓄的期限是一年、三年、六年三种。这种储蓄的好处是,可以在零存整取的情况下,获得整存整取的收益。

  以现行的基准利率来看,一年期整存整取的基准利率是3%,而零存整取是2.6%;三年期整存整取基准利率是4.25%,而零存整取的利率只有2.8%。收益差距逐级拉大。

  不过,如果教育储蓄执行过程中遇到利率调整,教育储蓄利率并不随之调整,而按照其存日利率执行。但教育储蓄的对象和金额都有所限定,开户的小孩必须是小学四年级以上,另外每个账户50元起存,每户本金金额上限为2万元。

  虽然说储蓄存款流动性较差,但是也可以通过分散存款来保证流动性。以5000元的压岁钱为例,如果在活期、3个月、6个月以及1年期四档各存500元,在两年期、3年期及5年期各存1000元。这样,在一年内,就会有至少三份储蓄到期,到期后还可续存,即使期间央行调息,也有机会转存成各种档位的储蓄。

  家长也可以按照孩子升学的年份,制定储蓄方案。虽然存款利率与以往相比并不诱人,但仍是最简单最直接最可靠的一种财富积累方式。

  儿童账户 在家长监护下学习理财

  6到12岁是儿童理财观念培养的黄金时间,从这个时期开始培养儿童的理财观念,短期看是培养儿童一个良好的生活习惯。招商银行理财师建议,在这段时期,家长可以领孩子去银行开设独立账户,让孩子定期存钱,告诉他们利息的概念,将银行储蓄的方法、种类、利率等知识逐渐教授给孩子。

  目前包括工商银行、招商银行、东亚银行、花旗银行、中国银行等大多数银行均可开设儿童账户。值得注意的是,儿童账户以儿童名义申请开立,由父母或监护人中至少一人为合法签署人并负责操作该账户。

  除了基本的存取款及转账功能外,银行的儿童账户还具有储蓄管理功能。家长可以通过固定付款方式每月将一定金额的款项转至该账户,作为孩子的零用和储蓄,并通过网上银行实时关注孩子账户的变动,指导孩子合理使用并科学管理零用钱。同时,父母可以设定取款和POS消费的限额。

  基金定投 逐步培养孩子投资意识

  银行理财专家认为,如果要看长期收益,选择基金定投相对较优。定投的好处在于投资成本比较平均,分散了风险,长期投资也享受复利增值,而且起点金额低,积少成多,长期看年收益率高于零存整取。

  家长只需选择将孩子的压岁钱存在一个特定的银行卡中,并与定投账户绑定,银行会每月自动扣除相应金额,为孩子“定投”基金。

  比如工商银行有专门针对儿童推出的基金定投,也就是父母可以以孩子的名义先开通一张牡丹灵通卡,输入监护人的信息即可。比如小孩今年的压岁钱有6000元,那么家长可以给孩子每月定投500元,正好可以投12个月,定投的基金长期下来收益肯定比存款要高。

  理财师建议,如果定投资金3-5年内需使用,可以选择股票仓位较低的混合型基金,而回避风险较高的指数型和股票型基金;如果是10年左右的投资安排,可以选择优质的股票型基金。

  定投过程中,家长可以与孩子一起每个季度登录基金网页查看净值,告诉孩子他的基金是赚了还是亏了,逐步培养孩子对理财和投资的认识。

  新京报记者 苏曼丽

  ■ 股市

  A股蛇年节后有望续涨

  春节前A股上涨收尾,多家券商发布短期研判认为上行仍是主要趋势

  新京报讯 (记者吴敏)今日是节后第一个交易日。去年A股一路飙升,从底部反弹幅度接近25%,成功收出“龙尾”之后,春节后的A股有望继续上升。

  节前数据和政策利好

  春节之前的两个月中,A股出现了一轮快速反弹,沪指从1949点底部上升24.8%。

  节前的经济数据和政策面利好使得市场信心仍维持强劲。1月份贸易数据、汽车销量数据均回升,且升幅好于市场预期。

  在政策层面,节前一周收入分配制度改革方案出台。申银万国[微博]等券商认为,进一步改革的希望仍将支撑市场风险偏好。

  节前券商普遍看多A股走势,中信、中金、国泰君安、海通、招商、银河等券商发布的短期研判均认为上行仍是A股运行的主要趋势。

  光大保德信基金则认为,这波行情似乎来得太快,走得过猛。但从行业表现来看行情比较稳健。光大保德信基金认为,年初以来涨幅靠前的是医药、金融、TMT、汽车、机械等,这些要么业绩较好,要么是偏中游属于早周期的行业,而强周期的钢铁、建筑、有色、煤炭等表现相对靠后,这种行业顺序表明市场并没有对未来经济前景期望过高,后市涨势延续的可能性大。

  不过也有部分买方投资者认为,节前市场各个行业板块已经轮涨过一遍,不少行业估值过高,市场可能会有一个调整阶段。

  在外围市场方面,春节期间海外市场走势平稳。美股方面,道琼斯工业指数在过去一周几乎收平,小幅下跌0.08%;纳斯达克[微博]和标普500指数也几近收平。蛇年港股前两个交易日均小幅收涨,累计上涨0.98%。

  过往春节后指数八成上涨

  从历史数据看,A股投资者可能会对春节行情有所期待。数据显示,自2000年来的13年中,有10年的节后5个交易日内出现上涨,概率接近八成(77%)。数据统计也显示,有10年春节后的股市行情与节前一致。

  但从节后首日表现看,过去13年中只有8年出现节后首日开门红。

  春节后一般是年报集中发布的阶段,业绩超预期、高送转等题材炒作一般集中在这一阶段;此外,春节后至每年两会前,是政策发布较少的阶段,一般不会出台调控措施。

  从今年的情况看,两会前出台更严厉的地产调控等措施的可能性小,但上市公司整体业绩则可能低于市场预期。

  节前券商多数认为,A股中期行情还是投资者情绪回暖、市场估值修复带来的。宏观经济和上市公司基本面的改善并没有太大的亮点。

(原标题:用压岁钱培养理财小达人)

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你会错了很可能

食物和饮料是什么烤箱,想象力使灵魂飞翔?这是智力刺激的见证完美融合的纯科学和工程实践在工作吗?或是它的机器和柔软的,得到的曲线的食品,使我们的圆滑角度之间的相互作用的美学满意度?也许它只是一个烤箱里烤东西的纯粹的快乐,只是更小的。我不能说,答案是在你的心。或者,也许在烤箱指导手册(这似乎更合理)。我所知道的是,有许多不同种类的烤箱。如果你只是简单的华尔兹里的商品部分和需求烤箱,你会错了很可能。事实上,你可能不会得到一个烤炉。有些地方不喜欢苛刻的客户,特别是华尔兹的。问题是如果你要买一个烤箱的第一次你需要知道什么样的烤箱是最适合你的。对流烤箱:在这些炉运行的基本原理是热量从加热元件通过空气流动的食物。对流风扇使加热的空气流通,允许更慢,甚至比直接加热的方法,如火焰或微波炉。石英加热元件是最好的类型,声音非常令人印象深刻,当你大声说出来。组合烤箱:烤箱/电烤箱或组合。这是不是一个烤箱(仅仅是一个小炉,在其他事情上,烘烤面包)一个,有些人会建议,多余的槽烤面包机边上。结合微波/烤箱:这将方便与烤箱烹饪选择微波的速度。最重要的是,它的两个在一个设计中,使它成为一个空间保护程序,让你的桌面上的其他东西(心灵的排水沟,人们!)像搅拌机,榨汁机,面包制造商。一种选择是使用额外的空间在炫耀财富,将打动你的朋友和你的敌人畏惧的心第二微波烤箱。烤肉店烤箱:山顶洞人发明了烤肉烤法做他们的一部分,150000年后(这一天!(好吧,不是真的))烤箱来完成工作。这个过程可以是烹饪、脆皮或皮肤,让肉缝在它自己的汁液。烤肉店配件通常是可移动的。一个宽敞的烤箱是必须的。红外烤箱:它不是技术听起来。红外线是简单的一部分,可见光和微波之间的电磁频谱的一部分。红外线辐射实际上把水分推到食物中,增加了味道。红外烤箱快,灵活,高效和可检测的鬼魂。好吧,我做了最后一点,但不要太失望。多久,鬼想搞你的披萨饼呢?关于作者:相关的主题文章:

当你牙医建议你有你的智慧拔牙

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契丹王妃允许用户跟踪和监控多个正在进行的项目许昌日报电子版

未归类的微软项目已经超过20年,资助范围广泛的专业人士来组织他们的工作生活,清晰和准确。它提供了不可否认的有效的项目管理软件,允许用户跟踪和监控多个正在进行的项目,并确保他们总是有合适的数据提供给他们作出明智的决定。那么,为什么,在他们的处置所有这些专门的功能,这样做的许多专业人士选择在策划这些所有重要项目时的表现?难道仅仅是一个不愿意学习新的程序,或是微软是否真的能完成许多用户所需要的所有功能?微软项目在今天的技术已经完全过时了吗?微软项目的最新版本是将这些理论从水里吹出来的。在把电子产品的实用性与项目的范围相结合的结合中,微软创造了一个强大的产品,最终给用户提供了世界上最好的产品。这个新的用户界面的介绍,也被称为带状,是微软的项目带来整洁的可达性和其他办公产品顺利美学这个古老的程序的一个主要好处。功能和操作更为合理分组,整个过程变得更快、更轻松。然而,在项目的成绩超过卓越的是在其新的时间线视图和团队计划的功能,它提供了一个项目的开发和如何他们的资源是最好的部署跟踪一个优秀的工具的项目经理。在这些天的激烈的在线协作和即时虚拟网络的能力,沟通,并在一个基于Web的平台进行联合决策是至关重要的一个项目的成功。微软Project 2010是建立在SharePoint服务器有利于正是这些要求,让同事分享想法,会议以及一起工作的报告和建议。合作也是游戏的名称,当涉及到投资组合管理与微软的投资组合服务器被整合到项目,以提供用户与重要数据的投资组合,符合业务要求。这一统一使得项目的投资组合管理更简单和相关的特定业务需求。它不仅是Excel,组合和SharePoint,微软的项目现在是完全兼容的互操作性,增强整个办公套件允许支持的消息通过观。第三方的连接也大大改善,因为一个更强大,更强大的平台。这些增强功能,以及其他许多的进步,现在没有理由为专业人员和项目经理回到Excel在创建和整理系统的报告和投资组合。通过整合的最佳功能,与项目微软的最佳功能已经大大提高了其旗舰产品的可访问性和声誉。如果你是一个谁都不愿意切换到微软项目那么聪明的办法就是参加一个课程,会让你在所有项目的新的利益彻底地。关于作者:相关的主题文章:

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艺术和娱乐是非常重要的,以更好的性能,以更好的网站的帮助下,精彩的网页设计服务。为了达到这个目标,你需要聘请高技术的网页设计服务供应商,有很大的经验,在创建网站类似于您的业务。为了提高网站的性能,它需要有网站维护以及电子商务网站设计,以更好的质量网站。网站设计要人性化,搜索引擎友好的交互,不仅可以吸引游客,将潜在客户以及帮助你让搜索引擎。因此,它是非常需要做必要的研究,找到准确的质量和生产力的网站。这也是你的责任,研究的有效性和熟练的网页设计师提供的描述水平。如果你想把你的产品或服务卖给数百万的客户,电子商务网站设计的英国服务,使您能够建立高标准的电子商务网站。不仅如此,你还可以通过有效的和道德的互联网营销搜索引擎优化技术促进这些产品和服务。您可以找到许多公司提供完整的网络解决方案,设计开发和促进一个突出的,合适的和良好的前瞻性网站。您需要在您的网站的所有网页中添加独特的和丰富的内容,以便越来越多的访问者可以找到感兴趣的和有价值的信息,他们的需求。所有所需的互联网营销服务,可以很容易地实现与成本效益的搜索引擎优化包,以专业的方式设计的帮助。互联网营销搜索引擎优化有其自身的重要性,并进行了建立一个强大的商业网站的骨干。有针对性的关键字,使您能够吸引游客到您的网站。互联网营销搜索引擎优化在网站性能上的地位,在很大程度上帮助提高你的在线销售。如果不能自己做的话,最好是聘请网络营销人员,确保你在每一个阶段都有助于提升你的网站,提高企业的品牌。如果你的网站是盈利的,不要停止改进它的工作流程。为了使它更好地表现在未来,你必须保持它与专业网站维护服务的更新。应用适当的工具和技术来修改、纠正和改进的内容,设计和其他的变化,以满足目前的需求,以及客户的业务。您可以很容易地找到根据您的要求定制的网络服务。在作出任何最终决定之前,请确保先询问所需服务的前查询。总是选择被誉为有经验的公司所提供的相应服务。要获得更多信息,你可以访问:关于作者:相关的主题文章:

耀武扬威的意思在曼娜的股票投资逆天神尊

在曼娜的股票投资:李察伯顿发布的曼娜区是一个融合了不同的尺寸,不同的国家,经济条件、社会结构、政治环境和国家事务。这些变化是通过在这些国家的私人投资比例不兼容的水平观察。在中东国家中,阿拉伯、巴林和阿拉伯联合酋长国都是曼娜股票的顶级投资者。经济情报部门的一项调查显示,许多西方金融服务公司有意在中东建立一个组织的存在。中东的发展和稳定的经济改革的融合产生了许多西方金融服务企业的兴趣。在过去的几年里,美国和欧洲的大投资者们都观察到,在中东曼娜股票私募股权投资方面,有着巨大的兴趣。总的来说,这种增长的兴趣正在为增加中东金融比率作出巨大贡献。中东曼娜地区的国家已经开始进行投资和经济改革,以增加曼娜股票的外国和私人投资。在这些改革中,外国人和外国企业获准在中东曼娜股票收购私人股本。中东金融私募股权在迪拜中东金融中东金融中东投资银行的最佳投资银行在迪拜和阿联酋发布者:李察伯顿选择投资银行撇开资本是一个严重的决议。有大量的迪拜投资银行和选择来自中东,而当你最后选择的人,有几件事你必须考虑以最终解决之前。在中东有外国和地方银行,这一切都是要照顾你的资本,或者让你暂时用财政。中东金融正处于助推阶段,中东的私人股本总是有机会让你的财政不仅可以节省,而且还可以开始提高。中东是谁想要他们的钱的投资者的天堂增加两倍或三倍当你从投资银行的官方人员有用的指南,你可以在几乎每一个州或国家的中东看到投资银行。埃及国家银行提出买卖票据,如存款、贷款、信用卡、投资于房地产等,中东金融投资银行迪拜私人股本中东金融相关的主题文章:

西安火凤凰舞厅所以有很多要知道的甜丝丝演员表

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异界之机械公敌不完全是不那么贵锦州电信影院

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or both. 90210 is close to Malibu

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thus it is important to get second maintenance to help persons stay cleanse once they are returning to the outside world. In a drug abuse rehab programs

Health When an addict is discharged from treatment programs for drug addiction, the challenge of staying restrained and faraway from drugs commences. After experiencing drug abuse recovery programs, the person has come to understand many approaches on how to deal with their complications and contend with stress they go through in a more realistic and healthier tactics. But, this still requires a constant encouragement and stimulus for them to live moderate. Abstinence and therapy may be sufficient exclusively, thus it is important to get second maintenance to help persons stay cleanse once they are returning to the outside world. In a drug abuse rehab programs, individuals are restricted within the premise of the building under constant direction and overseeing. In a secondary care facility, on the other hand, supplies recovering addicts more burden and freedom. This is a beneficial measure advised to support those junkies that are newly putting themselves back into society giving them a feeling of domination over their everyday life in a gradual, assisted and protected manner. Lovers has a better opportunity in their attempt to maintain abstenience if they are following drug addiction recovery programs that would assist them in dealing daily life issues and tensions in a good manner, and at same time frame giving them with recommended instruction and dependable support. Drug obsession is often caused by useless struggling with stress like death, failures, frustrations and even indifference. These things are experienced by all of us at any phase of our life; individuals who have a track record of pharmaceutical obsession have a more disposition to give in to addiction especially those who don’t have a tough support scheme. A change of ecosystem is also necessary for the prohibition of relapse. The place and the people associated with the restoring junkies can induce the same stress factors. Long term drug abuse may lead to the development of co-morbidity of other physical and unconscious concerns that treatment programs for drug addiction may have disregarded or not entirely dealt with. The recovering addict ought to visit a specialist that can help them handle and address these co-morbidity. Active engagement of close relatives is also really important especially to adolescent addicts since they will be living in the same ecosystem with the restoring abuser. The designs of the relationships around members of the family must be dealt with. Their behavior and disposition towards addiction and their addict relative will greatly influence long-term outcome of treatment. Drug abuse treatment programs gives the addict the ways to assist their own get rid of their addiction and the ecosystem is governed and develop to match their necessities which are safer and supervised. However, the outside world is not manipulated and things come about in a fashion that may not be to our likings and tumbling back to addiction is quite easy. That is why recovering addicts must get themselves favorable measures that would help them take action and contend with intense feelings. There are recovering addicts who have overlooked what it was like to truly feel delighted without resorting to prohibitted drungs. Immobility to effectively control pressure and not having the support system they needed, may have induced somebody to become an addict. However, we can’t go on blaming the entire world for all the erroneous options we made, and sometimes we have to man-up and take accountability of our own actions and manage our everyday life. About the Author:

keep the stomach muscles tight and try to draw in the belly button towards the spine. Hold it for about 10 seconds. This should have at least 10 to 20 repetitions. Drinking cold water speeds up the metabolism. Keeping a glass of cold water with you all throughout the day can help you ensure that you stay hydrated and that you help keep your metabolism moving. Get Much More Sleep – In order to effectively lose fat and prevent your body from storing it

Weight-Loss Trying to lose stomach fat fast is an uphill battle that can be won if you have a plan. There are three basic things that you must do if you want to start losing stomach fat. The simplest way to trim belly fat is by meeting your daily recommended protein intake. But don’t just eat any protein type. Yes, you’ve read that one right. Only choose lean protein such as eggs, fish, and white meat. These protein types are just best to help build and strengthen your stomach muscles. It would be difficult for belly fat to find its place in a stomach area full of muscles. Monounsaturated Fats: Monounsaturated fats are vital to not just loosing belly fat, but also to your overall health. Some examples of monounsaturated fat would be Olive Oil, Olives, Avocado, Nuts, and so much more. The core muscles of the abdomen should be worked out too. Place both your hands and knees on the floor and put the entire body weight on them. Allow your belly to relax. Then take a long, deep breath. While exhaling, keep the stomach muscles tight and try to draw in the belly button towards the spine. Hold it for about 10 seconds. This should have at least 10 to 20 repetitions. Drinking cold water speeds up the metabolism. Keeping a glass of cold water with you all throughout the day can help you ensure that you stay hydrated and that you help keep your metabolism moving. Get Much More Sleep – In order to effectively lose fat and prevent your body from storing it, you must get an adequate amount of rest each night. What I recommend for you to do is to get at least 7-8 hours of rest. Getting plenty of sleep will allow your body to effectively boost the metabolism and restore muscle tissue. This will also help in relieving stress and increasing your energy levels. Crash dieting is not only bad for your body, but it’s unhealthy. Could you lose a few pounds from doing it? Sure, but just wait a couple of days and those pounds will come flying right back! About the Author:

and celebrities are using popular kettlebells. Tags

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more and more people are trying to get rid of their debt completely and many of them succeed. Tags

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you can save a lot on eating out in the regional dining places. The huge residing space area of most of the flats has a TV

Home-Improvement The cost of Spain’s capital flats is an important determining aspect. Although a Location Barcelone can be more expensive for an individual than a resort, but it definitely helps you to save money when you have to travel with a large team. However, there are studio room flats that offer huge housing to an individual at a much cheaper. If you are viewing Spain’s capital for a long few days or town break, you can choose to remain in the inexpensive or high-class Spain’s capital flats. You can search for flats in La Ramblas or in any other best promoting region of the town. You will get a range of housing at an affordable cost. Of course, one might think, a resort offers you many services such as washing laundry, bar, cafe, space service and everyday cleaning of your space and sometimes even tea and java making. So what? Spain’s Location Barcelone has a fully prepared kitchen with all the essential cookware and tools to get ready delightful food. You can awaken and fragrance the java. If you make your choice to remain here, you can save a lot on eating out in the regional dining places. The huge residing space area of most of the flats has a TV, DVD and CD gamers. The washrooms are well-fitted and some even have a Hot tub as a high-class. Your children can discuss space with you and therefore, you will at serenity to know they are safe, as opposed to if they had an individual Location Barcelone. You can discuss everything as a family in a high-class or inexpensive Spain’s capital residence. While remaining in one of the vacation Spain’s capital flats, you can appreciate the encounter of residing as a Catalan. You can check out the regional marketplaces, purchasing regional items and relish the variants of Catalan recipes. While remaining in the Spain’s capital flats, you can also appreciate comfort and independence simultaneously, which you may not get to encounter in a resort. So, without any question guide Spain’s for your remain on your next trip to this awesome vacation location in the country. While remaining in one of the vacation Spain’s capital flats, you can appreciate the encounter of residing as a Catalan. You can check out the regional marketplaces, purchasing regional items and relish the variants of Catalan recipes. While remaining in the Spain’s , you can also appreciate comfort and independence simultaneously, which you may not get to experience in a resort. So, without any question guide Spain’s capital flats for your remain on your next trip to this awesome vacation location in the country. While remaining in one of the vacation Spain’s capital flats, you can appreciate the encounter of residing as a Catalan. You can check out the regional marketplaces, purchasing regional items and relish the variants of Catalan recipes. While remaining in the Spain’s , you can also appreciate comfort and independence simultaneously, which you may not get to experience in a resort. So, without any question guide Spain’s capital flats for your remain on your next trip to this awesome vacation location in the country. About the Author:

The Love Song Of J. Alfred Prufrock

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Magento skinned

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The community edition has no license fees attached.magento development magento website development magento development Company magento web Development magento custom development offshore magento magento development Change And Experiment With Templates, Text Formats, Web Page Layout, Etc With Drupal Web Development Posted By: Juan Beach The world had been moving with the speed of time that has taken its toll over humans. The significant input of the human resource is put out in the technologically advancing world. The business market had been moving towards a transition towards the online trajectories. The World Wide Web had fortunately been turning the table upside down with the help of drupal developers. These developers had been taking the business corporations towards new horizons. The new dimensions have enabled the owners of business to look forward to the formation of new frameworks. Drupal web development has increased the graph of brand awareness in lesser time span which has crossed all the geographical locations. The web applications and Content Management Framework at drupal create various user-friendly websites together with blog site, business site, ecommerce stores, corporate websites, etc. it has helped the corporations to establish their unique identities with the liberal framework. The drupal web application is written and distributed in PHP language. It acts as an open source technology that is often used for business alliance. It has helped traders and developers to build an exceedingly purposeful and edifying website.drupal developer drupal developers drupal development drupal development company drupal development services drupal programming drupal service drupal developer Choose Magento Customization For Better Roi Posted By: Magento Guys Several businesses engaged in the internet markets making their investments in the websites. They are generating lots of money by keeping their website upgrading with new technologies and features. When compared to the local markets Ebusiness is more profitable and give multiple benefits. Online stores can offer a variety of products to the customers besides; business owners are also capable of giving the customer the exact information about products, prices, services and payment options. The thing that matters a lot is keeping itself updated with all the web strategies like magento customization. Without being aware about new web strategies, one is unable to acquire his business goals and traffic for your ecommerce website. Without getting proper traffic, your website will not produce sales, and this will ultimately gives you loss in the business. Have you heard about magento customization? What do you understand about it? Do you think it is beneficial for your ecommerce website? It is flexible ecommerce solution and the best platform used for the development of your ecommerce website. It ensures the client online success in the most affordable price. Ecommerce website when developed using the most powerful platform like magento would be sure to bring ROI.Magento customization Magento Customization India Magento Customization Service Magento Customization company custom magento development Magento customization Catalog-management Tools To Give Merchants The Right To Create Sites That Are Tailored Posted By: sanu Magento is the most popular Multi-Store and powerful e-commerce platform that are used to create dynamic and highly interactive e-commerce web sites. Magento in providing high-end and cost-effective e-commerce portals and online shopping carts. As well as Magento Development Company and expertise in Magento Custom Development Services. Honestly creating online ecommerce website has never been easier. It’s not just design simple product website and integrate payment gateway, we are taking about the complete e-commerce solutions that will guide you through the look, content and functionality to your web site that will give you adage over the market competition control. City of Magento Ecommerce Platform combines the industry-leading features to provide merchants unprecedented control over online store operations and get the online sales booming open source technology with flexibility. Magento development is a vital feature rich ecommerce shopping cart web application. Magento web application, open source development technologies high-end features and flexibility online store and get the online sales booming. GR Brains is an experienced Magento Development Company in India ODC customized Magento e-commerce web application solutions to our experienced Magento developers. Magento is the best e-commerce platform with great features.php development magento development php development Magento Developers Striking Design And Allows You To Make A Successful E-commerce Posted By: sanu Magento, the open source technology is the foundation that gives you complete freedom and control to update or exactly as per your business needs. A large community of developers – for the purpose of continuous improvement codes and other technical fine-tuning of the execution of error-free and smooth functioning of the online e-commerce business. With the overwhelming support the community to get help, you’ll never work alone! Easy to use administrative system, which provides support to better control the interaction with the user, multi site and multi-language interface and product entry / updation. On-page checkout to help users set up the checkout process, but it would be directed at any complications. Multi-addresses, shipping functionality, product specific comments, and detailed comparison of profiles. Automatic RSS Integration with Google Analytics and reporting functions to better promotion of products and services detailed assessment of the computer. Clients must follow specific steps and friendly – help better decisive moves towards booking orders or adding products to your wish list. This is basically the growth of electronic commerce platform and merchants to use various online shopping transactions. This is because it offers a lot of control to achieve a desired appearance, functionality, and content management.php development magento development php development Magento Ecommerce Customization Software Services From The Semaphore Posted By: sanu Development of Magento and Magento ecommerce customization Software Services from the semaphore. Magento Development Services include Magento theme integration, custom Magento theme development, Magento Web Design, Magento Custom Design, Magento Design, Magento skinned, Theming Magento, Magento Custom Development, Magento extension optimize integration, Magento extension development Magento customization extension to Shopping Cart CMS, Custom Landing Page Design, web services or API integration with Magento, Magento Consulting, ecommerce Store Development, Explanation Graphics and photo editing, buttons, a modern version of Magento, Magento existing website to Magento migration patterns and special effects with the Magento ecommerce platform to the latest available version 1.6.x. Hire Magento designer or developer now. Development of Magento Community Services Magento Professional and Enterprise Edition. Magento is a feature – rich ecommerce "The best new open source project award, the decision to offer complete flexibility and control over the look, content and functionality of online store. Magento Ecommerce Platform combines open source technology, the industry leading features to provide merchants unprecedented control over store operations and online sales are booming Internet access flexibility. Magento also may be used only "product catalog, Web site, using the application or renewal Magento integration.php development magento development php development Programmers Within The Open Source Community Of Magento Posted By: sanu Magento is an open source ecommerce web application, which was launched in March 2008, 31st It was created by Varien article now Magento Inc.) assisting in the open source community developers, however, depends only Magento Inc.. Magento was built using the Zend Framework. It uses entity attribute value (EAV) database model for storing data. platform for the universe and change the face of e-commerce forever. Of course, you already know that. What you may not understand Magento is also object-oriented PHP Framework, which can be develop a modern, dynamic web applications that access the powerful features of Magento eCommerce. This is a series of articles in which we are going to go for a whirlwind tour of Magento programming system function. Do not worry if you do not keep track of everything at once. How do you learn best system in this article will make sense and you will soon be the envy of your colleagues stuck in PHP to work with the primitive systems. Magento organize your code into separate modules. Typical PHP Model-View-Controller (MVC) application, Controls will be one folder, all other models, etc.php development magento development php development Magento Outstanding E-commerce Solutions Posted By: sanu PHP development magento development PHP development Magento Developers Provide Integration With Drupal For Online Business & Content Posted By: benerald cannison Content is free advertisement for products. It allows customers to get more input about products and provides the meat for search engines to index. You can integrate Drupal and Magento in many ways. Let Magento be the main component, leaving Drupal just as a subcomponent; let Drupal be the main component, and Magento as an e-commerce module; or let both be the main components. Magento as the Main Component The straightforward solution is to integrate on the service layer. Whenever you are on the e-shop product page, you call a Drupal service to bring related content, say, blog posts. It is so also with category pages. There are some challenges, though. Whenever you add a CCK field or a feature like rating to a content type, you need to modify the layout and write templates for data coming in from Drupal.Magento programmers Magento programmer Magento developers Magento programmers Magento Development India A Leading Magento Development Company Posted By: shaikh zafar Magento Development India delivers customized Magento development services to its customers in India as well as abroad. Magento e-commerce solutions can be tailored according to your business requirement. It is an open source web application where users can control all aspects of online store or business. You can hire Magento developers who have vast experience and well-honed skills for delivering excellent results working on Magento installation and configuration, payment gateway setup, shipping module setup, design integration and any type of custom development requirement. 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Magento e-commerce solutions can be tailored according to your business requirement. It is an open source web application where users can control all aspects of online store or business. With Magento, our Magento developers can produce innovative online business solutions. You can hire Magento developers who have vast experience and well-honed skills for delivering excellent results working on Magento installation and configuration, payment gateway setup, shipping module setup, design integration and any type of custom development requirement. Company’s experienced Magento Designers and Magento Developers have ability to work with any Magento Development and Magento Custom Development issue. Our Expert Magento Developers can provide the best solution for Magento Development Services for Magento. Our Magento Development can also work on Magento Shopping Cart Development, Magento Ecommerce Development, Different Magento Store Development, and Magento Website Development and Magento Web Application Design, Magento web development, Magento Theme development, Magento Template development, Magento Extension development, Magento base integration, Magento theme integration, Magento module development, Magento customization etc. Magento development services are attractive and helpful for ecommerce shopping cart.Magento Development Magento Developer Hire Magento Developer Magento Development Multiple Discount Offers At Fme Magento Themes And Extensions Posted By: James parker We all know that Magento is a free plat form being used for the development of E-commerce stores by professional Magento developers (PHP developers) but there are some rookies available in the online market that are using it as a playing toy and keep on testing their least capabilities and developing web stores which are good for nothing. The merchants get happy that they are getting Magneto Themes for free but they realize it later that they made a big mistake by applying free themes on their store. Free Magento Extension is a Magento based store keeping a staff in which every single employee is expert in its own field and they all are developing Magento Stores of a perfect quality. They are not only expert in developing pre-defined stores but are also good in custom development of Magento. The CEO of FME itself is an expert Magento developer and every activity is performed under his command.Magento. Magento Themes Magento. Magento Themes Magento Development Services From Social Tornado In A Best Way Posted By: Jacob Cray Social Tornado delivers customized Magento development services to its customers in India as well as abroad. Magento e-commerce solutions can be tailored according to your business requirement. It is an open source web application where users can control all aspects of online store or business. With Magento, our Magento developers can produce innovative online business solutions. You can hire Magento developers who have vast experience and well-honed skills for delivering excellent results working on Magento installation and configuration, payment gateway setup, shipping module setup, design integration and any type of custom development requirement. Company"s experienced Magento Designers and Magento Developers have ability to work with any Magento Development and Magento Custom Development issue. Our Expert Magento Developers can provide the best solution for Magento Development Services for Magento. Our Magento Development can also work on Magento Shopping Cart Development, Magento Ecommerce Development, Different Magento Store Development, and Magento Website Development and Magento Web Application Design, Magento web development, Magento Theme development, Magento Template development, Magento Extension development, Magento base integration, Magento theme integration, Magento module development, Magento customization etc. Magento development services are attractive and helpful for ecommerce shopping cart.Magento Development Magento Developer Hire Magento Developer Magento Development

Permeation Analyser Is Essential For Research Into Biodegradable Packaging Materials By

Blood pressure A nominal blood pressure is needed to blood circulation in the body to supply nutrient and oxygen for energy. Blood pressure is indicated by two different numbers diastolic over systolic. Systolic pressure means pressure during heart contracts and diastolic pressure means pressure during heart dilates (rest). If these blood pressures are lower than certain range then it is considered as low blood pressure. Experts considered a blood pressure lower than systolic of 90 mmHg or diastolic of 60 mmHg as low blood pressure or hypotension. Many of the low blood pressure symptoms are considered annoying, may cause injury and it affects our daily routine duties. And so it is a must to have treatment for low blood pressure at least to stop low blood pressure annoying symptoms. Hypotension guidelines The first step towards the low blood pressure treatment is lifestyle changes or hypotension guidelines. What are hypotension guidelines? Hypotension guidelines are nothing but simple lifestyle chances that helps to normalize blood pressure. The immediate goal of the hypotension guidelines is to raise the blood pressure and stop the annoying low blood pressure symptoms. Some of the suggested hypotension guidelines Increase sodium salt intake to a nominal level, Do some physical exercises for healthy body. Follow the author’s resource box for detail information on hypotension guidelines, hypotension diet and hypotension exercises. Also browse through pages for low blood pressure natural treatments such as natural herbs, homeopathic natural remedies, yoga poses, acupressure holistic healing and reflexology massages. About the Author: I personally benefited with alternative medicine such as herbs, homeopathy, yoga, acupressure and reflexology. I like everyone should enjoy that benefit, so I decided to popularize alternative medicine. Low blood pressure Hypotension guidelines Article Published On: – Health Growth On Height "�" A Ayurvedic Body Growth Formula By: beingchinmay – Growth On is an Ayurvedic Body Growth System. Development On offers Amazing Results! In the wake of utilizing Growth On you will see new trust in yourself. Development On is a progressive orderly aggregate development framework, It gives the … Tags: Electrical Engineering Assignment Help: Get Your Assignments Ready Now! By: businesssolution93 – Assignments are a great way to gain experience and learn new things. Every assignment, in any field, has the same purpose of making one learn and apply their knowledge. However, not every assignment is always easy and relaxed. Tags: Attain It Management Assignment Online Help To Boost Your Career By: businesssolution93 – IT management deals with the management of different IT-related resources, including data, networks, hardware, software, personnel, etc. All these resources are managed according to the needs and priorities of the organization Tags: Physical Fitness Ideas That Will Offer You A Sexy Body By: William Begley – Fitness is not something that you wish for, it is something that you go out and get for yourself. This short article is going to reveal you means that you can choose to do what it takes and get fit. Keep reading for tips and ideas on how you … Tags: International Booking System For Medical Programs In The Best Hospitals Abroad By: Mark Wadsen – BookingHealth is revolutionizing medical tourism and where patients previously had difficulty in seeking treatment abroad, it provides a much needed solution. Tags: Be Fit By Using These Wonderful Ideas By: Elisa Dean – Whether you are trying to get into shape, get into better shape or are in the very best shape of your life, you will be able to benefit from these terrific physical fitness tips which can assist you reach any fitness objective that you want. … Tags: Permeation Analyser Is Essential For Research Into Biodegradable Packaging Materials By: Franklin Frith – 1888PressRelease – University Research Group use Systech 8001 OTR analyser to test oxygen barrier properties of biodegradable packaging materials. Tags: All The Best Tips About Sleep Apnea By: Peggy Hutchison – If you or someone close to you has recently been diagnosed with sleep apnea, this is the perfect article for you. By carefully studying the information contained in this article you can learn how to treat the disorder and ensure that … Tags: Helpful And Simple Sleep Apnea Tips For Anyone By: Peggy Hutchison – Don’t make the mistake many people make when they assume that it is normal to be tired each day after a full night of sleep. This is false. Sleep apnea affects millions of people and many are not as aware of it as they should be. Tags: The Basics Of Dealing With Sleep Apnea By: Peggy Hutchison – Do you often wake up after 8 hours of sleep feeling drowsy? If this has happened to you several times then you may be suffering from something known as sleep apnea without knowing it! If this is true for you then the best thing to do … Tags:

If you are looking to buy commercial property in Mumbai

Business Mumbai famously known as the maximum city of our country is also well known for their real estate prices which are soaring high. It has always been pricey and there are many reasons why Mumbai look so unaffordable to many in terms of real estate. It is the financial capital of India and also has been an island ever since their inceptions just like New York. This is probably one of the best comparisons one can make. And the usual rule is that with the rising demand if there is no supply, the prices are bound to go up. But again this doesnt mean that nobody can afford a house in Mumbai. If you go further into the city and look for locations that you know is not a part of the main city you might just strike gold when it comes to hunting for properties. Residential property in Mumbai can be found almost everywhere. All you need to do is look property and do some research and skim through major parts of the city till you know this is what you want. Buy Commercial property after you know the location well: If you are looking to buy commercial property in Mumbai, you should know that one important factor that plays a very important role here is the location. Business or small time office, you need your work to flourish and that happens only if it s place where there is a lot hustle bustle and the population looks decent enough. This works for people who are just starting up, else people who already have established business, you need not worry about anything else. Hire a broker or a property dealers, this will work in your favor. They know the insides of this market very well and every changing trend is known to them. So this in a way will help you decide a property wisely. Depending on your needs and requirements, a broker will tell you what place or commercial property in Mumbai will work the best for you. The prices if beyond your budget can also be brought down with some decent negotiations with the seller or the developer. So many people hire a real estate agent so that things are a lot easier. Once you have finalized your choice, there will be a lot of paperwork involved especially when you are buying a home loan. So a broker helps you get through these like a cakewalk. There are many people whose loan has been rejected because of mistakes in paperwork, so to avid them, when you have a professional by your side, you know the chances of mistakes are a lot lesser. So the next time around when you look to buy residential property in Mumbai , you know what exactly you have to do. Hire a good, known and authentic agent and get all your work done easily so that your whole process of property hunting is no longer tiring. Bring your dreams to reality and make real estate wise choices. About the Author:

less romantically inclined than he used for

Health What is a guy to conduct when he starts feeling his age? What if he’s less energetic, less playful, less romantically inclined than he used for? Should he accept it all as an inevitable part of life or should he fight back? The head support of the latest booster seat’s design may also be use on your part for example while traveling on trains, buses, cars and airplanes, You will also utilize them while soaking in recliners. Even though this root booster will have a thicker consistency, more like the gel, moment has come applied by spraying. We had arrived afraid how the sprayer would get clogged up, nevertheless i rinse it with warm water rapid muscle booster after every use and that i have prevented any clogs from having to conform. The gel is clear and colorless, while the bottle may be the classic Garnier Fructis lime green. The bottle holds 5.1 ounces. This is really a herb it’s very safe. Studies show it can boost your current testosterone amounts. It works with your body’s natural levels to boost up strength and muscle profits. Box Tops for Education by Betty Crocker is regarded as the the most widely used fundraising ideas a school can do because extremely simple test. One unexpired box top is valued at ten cents so image if kids at your school brought hundreds upon hundreds of box tops in, the earning opportunity is good for something a person only ought to sort and send using. If you’re at your personal computer and to help find some interesting things on the web to entertain you, record of most entertaining websites may more likely be helpful a person. The websites keep explore only from a few minutes but perhaps hours and all day. Child booster seats can be used keeping your child safe and comfy whilst travelling in vehicle. The booster seat is used in order offer you your child the extra height need for wearing the vehicle seatbelt warmly. When fastening your child into the seat always ensure the belt is sitting over the shoulder and across the lap (not across the stomach). Remember that their child security is also important, so keep as the primary goal to recommend them this incredible car chair. Even though you are performing this, may be check the other amazing products of Safety 1st. About the Author: The author’s name is Cecilia Bonner. She is a procurement police. To keep birds will be the hobby I will never stop doing. My wife with regards to chose to exist in in Nj. My husband and I have a website. You’ll probably decide to to here: Article Published On: By: Gloria Philips – Lower back pain has turned into a concern to medicinal practitioners worldwide. Lots of effort went into studying this issue to create solutions using therapy, treatment and prevention. By: Gloria Philips – Inversion table is definitely an exercises table which is designed in a way that the feet is positioned greater than your mind. By: Alfred J. Jones – Nutrition is an essential element of everybody’s life. Nutrition includes eating and drinking appropriately to optimize physical fitness of your body and enhance your overall wellness level. An excellent nutrition idea is to consume numerous smaller sized meals throughout the … By: Donald Geary – Slimming down is a trouble, however it does not need to an overwhelming one. There are lots of techniques to make your fat burning objective more available. You can regularly try something else if one technique does not work for you. The vital thing is to keep at it. Look into with this po … By: beingchinmay – Growth On is an Ayurvedic Body Growth System. Development On offers Amazing Results! In the wake of utilizing Growth On you will see new trust in yourself. Development On is a progressive orderly aggregate development framework, It gives the obliged supplements to the body that expand stat … By: businesssolution93 – Assignments are a great way to gain experience and learn new things. Every assignment, in any field, has the same purpose of making one learn and apply their knowledge. However, not every assignment is always easy and relaxed. By: businesssolution93 – IT management deals with the management of different IT-related resources, including data, networks, hardware, software, personnel, etc. All these resources are managed according to the needs and priorities of the organization By: William Begley – Fitness is not something that you wish for, it is something that you go out and get for yourself. This short article is going to reveal you means that you can choose to do what it takes and get fit. Keep reading for tips and ideas on how you can make this occur. 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Finding Elegant Luxury Hotels In San Francisco Posted By: David Smith luxury hotel in san francisco san francisco luxury hotel luxury hotel in san francisco Posted By: Jed Crowl Taste Barcelona The Easy Way Posted By: Splendia Rome hotels London hotels San Francisco hotels Rome hotels Campton Place Luxury Hotel In San Francisco Posted By: Danny Decruz Taj Hotels continuing its global expansion strategy, Taj Hotels Resorts and Palaces has entered into a definitive agreement to acquire The Campton Place, San Francisco, from the Kor Hotel Group for $58 million. The potential acquisition will expand Taj’s U.S. presence to three luxury properties. Announcing the transaction, Raymond Bickson, CEO and managing director of Taj Hotels, said "We’re thrilled to add this exceptional San Francisco hotel to our growing collection of luxury properties in the U.S., continuing our worldwide expansion of the Taj brand. With an acquisition of The Campton Place, we can now offer business and leisure travelers our signature Taj hospitality in the top U.S. gateways of New York, Boston and San Francisco. The Campton Place has enjoyed an enviable reputation throughout its 24-year history, and we aim to enhance its stature in the city when we assume ownership on April 30." The Campton Place, San Francisco will become the company’s third hotel in the U.S. In 2005, Taj Hotels entered into a lease agreement to operate and manage The Pierre on New York’s Central Park.Campton place luxury hotel in san francisco Luxury hotel in san francisco Campton place luxury hotels Campton place luxury hotel in san francisco

more firm look. Patients regularly request this painless and non-invasive technique to lift eyebrows

Health Non-surgical facial rejuvenation describes any procedure performed on areas of the face for cosmetic reasons. It can include chemical peeling, dermabrasion, microdermabrasion, laser skin resurfacing and non-invasive skin tightening procedures that dont require surgery. These treatments are regularly performed to create an appearance that the patient might find more youthful, more healthful or simply more desirable. Many patients purchase these noninvasive treatments as part of a regimen that involves repeat clinic visits. Facial rejuvenation often becomes the simple, inexpensive beginning of a personal total body makeover program that later includes more elaborate surgeries. Nearly four million facial rejuvenation treatments were performed in America during 2008. Drug and grocery stores also regularly sell over-the-counter treatments that are advertised to be as efficient as the work of specialists. Chemical peeling enlists the use of chemical solutions usually highly diluted acids that gently peel away outermost layers of facial skin. The layer of skin which then surfaces usually looks more fresh and often less wrinkled to varying degrees. This process can also be used to treat acne, and in more extreme versions that require more painful chemicals, the patient may be put under anesthesia. This was the most highly employed method of facial rejuvenation in 2008, with more than 590,000 chemical peels performed. Dermabrasion and microdermabrasion are more physically aggressive skin treatments that use abrasive particles or surfaces to polish away top facial layers of dead skin. The former term applies to a version of this process that is more severe and, again, is often done under anesthesia. Microdermabrasion, on the other hand, is painless and is often a popular request in health spas. Laser skin resurfacing uses laser technology to dissolve the molecular bonds of wrinkles, scars, acne, sun damage or other undesirable marks on the facial surface. This procedure is considered a more aggressive form of facial rejuvenation, since it can target such marks in a powerful and more direct manner. The laser treatments can target a specific area and remove skin layer by layer without causing any damage to facial areas nearby. And laser technology is similarly used for non-invasive skin tightening, which allows a specialist to use a laser to send heat into the skin. This can cause enough tissue tightening to trigger the production of new collagen. This formation of collagen can give the skin a tighter, more firm look. Patients regularly request this painless and non-invasive technique to lift eyebrows, reduce wrinkles and to firm the cheeks and forehead. Overall, surgery performed in America solely for cosmetic reasons has increased nearly 50 percent since the beginning of this century, and facial rejuvenation is a large segment of this increase. The body modification industry, which once catered to a subculture, has fully entered the mainstream. Those who undergo such modifications usually claim feelings of attractiveness and increased self-esteem. About the Author:

Finance Are you an adult who is intrigued in returning to school or would you like to do so for the initial time

Finance Are you an adult who is intrigued in returning to school or would you like to do so for the initial time? If so, how is your credit score? When many individuals think of pupil financial loans, bad credit score isn’t the first factor that arrives to thoughts. This is because of in part to the fact that schools and student financial loans are frequently associated with higher college students who have no credit, allow on your own poor credit. Sadly, numerous grownups choose not to return to college in worry that their poor credit will hinder their effort, but will it truly? Certain loan companies may inquire for a co-signer, who would have the responsibility of paying back again the money in situation of a default on part of the original borrower. Also, a couple of loan companies need a huge late fee if there is any delay in re-payment. All these things ought to be clarified with the lender before obtaining into the agreement. Most loan companies are open up to negotiation and borrowers should use it to their advantage by negotiating phrases and conditions properly. Select the loan company who offers the very best combination of a reduced curiosity rate and easy repayment options. As simply because of bad credit score it becomes extremely hard for the borrower to arrange for cash in urgency. But now, the poor credit people need not to be pressured simply because of their record. Even if they have debts or have some arrears or pending payments, nonetheless they can get the cash by this plan. This installment loans for poor credit option will not check any credit background or track record checks. It does not consist of such kind of paper function. The borrower of 18 yr of age can use for this finance choice and get it authorized if he is having a good job with $1000 average month-to-month salary. So allow’s search at Lending And Credit website and how it relates to installment loans. A valid bank account with at least six months of existence is required for cash deposit. If you satisfy this kind of circumstances you can get the borrowed amount extremely effortlessly. The loan company wants every borrower to show their repaying capacities. The borrower should be utilized and should be drawing a normal income. If the borrower is earning at minimum $1000 then his repaying capabilities are satisfactory. Apart from that the borrower ought to be at least eighteen years of age and a citizen of US. NextStudent guarantees you bundle all your financial loans into onelow monthly payments with set curiosity rate. There are no applicaion or prepayment fees. You can do every thing online installment loans online. You need to know what your credit score appears like. The majority of banking institutions or even lenders are heading to make the vast majority of their final choice on your credit as well as earnings. most people are not necessarily even near to understanding their credit score rating or what’s on his or her credit report. You can get a totally totally free credit score report as soon as per yr from all 3 bureaus simply by contacting these people and requesting for it. If you are really in a large hurry or maybe in a bind, then just ask for for the credit and they can easily let you know what your current credit background appears like. A personal pupil mortgage is a loan that is not loaned from the authorities; it is borrowed from a bank, or a finance company. They create greater loan limits, which assists the student know that he will not be left with a budget gap. Some banks and finance businesses allow up to 12 months to repay financial loans, nevertheless most of them permit only six months. About the Author:

vediamo insieme come implementare la nostra dieta e quali p … Tags

Nutrition Diet is important of course in virtually any age group, but as soon as adolescent child becomes a lot more self-sufficient with their lifestyle it’s as well means in eating plan. Nevertheless not not like some other challenges just what he gone feed on that will go along with him most of is lifetime. Case in point – the age group of actual physical growth (height) is determined mostly by means of genetic properties, yet the realization of the prospective by itself is a great deal linked to eating plan. Small sample tests – a person can certainly complete even at 25 years! However your height is determined in those age! In the event that you will utilized up your whole prospective, is actually what will accompany you most of your life! A excellent case in point can observe upon tress in which grows up in containers, they will certainly not reach some sort of length as tress throughout wild life. They generally continue being very tiny. keep in mind – videos, games, exams you acquired most of a person’s life, nevertheless right until the age of EIGHTEEN a person’s length is determined and will probably not switch a life time! At this point after many of us fully grasp the reason why, therefore at this point we need to learn precisely how to as in order to get the appropriate length! Breakfast is the actual most crucial dinner! Do not leave home without having breakfast. In the event that you have got very little time frame in the morning hours, prepare yourself your self some thing the evening before. Never eat white-colored flour products and solutions they are generally the major components to being overweight due to the fact they don’t have any nourishment attitudes I am talking regarding – rolls, whitened bakery, Gihanon,, macaroni Malawian,. Don’t feed on candy – for the reason that they bring about the expenditure of crucial nutrition, causing the sense of food cravings after an hours, in the event you are unable to deal devoid of sugar bar consume a single immediately after the main dinner sweet (usually lunch). Steer clear of consuming sweet carbonated products, even if that they diet drinks! Drink plenty of mineral water, water is a quite important factor in any diet plan, Value of organised dinner – consuming at usual times, the belly adapted to these hrs operates best when she receives foods at typical periods. Steer clear of industry nutrition like lean beef, many snacks. Major meal in each dinner must high in protein such as: lean beef Fruit and vegetables feed on as plenty of veggies, a bunch of coloration as you can. Bear in mind that youth are generally the most wonderful period of time of your lifetime, builds yourself through this time and you will certainly advantage all your lifetime. 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and celebrated social ceremonies in different styles. This provides a striking contrast to even the most casual observer.The extraordinary beauty of some of the most fantastic features of Agra and the abundance of other heritage monuments here lure international tourists to the city. The buildings here show marked differences in the styles that suited different Emperors. Akbar loved red sandstone refined the palaces it built with use of white marble.the master architect

LTC Portblair Tour LTC Portblair Tours is dedicated towards the higher truth or the almighty. ‘Dev Bhumi’ as India is known to the world is till in keeping with its year’s of tradition. As one visit the numerous holy shrines spread across the length and breadth of the country, and sees the unaltered faith on spirituality, one feels a reinforcement of faith towards religion. The most beautiful part is that it is not limited to any particular religion but amalgamates a number of them. A pilgrimage tour is an ideal choice for people who want to know India and its soul.Few words seem necessary to narrate the grandeur of India that was once known as the Land of the Golden Bird – mostly for its silks and spices, and the untold riches of the Kings and Queens of its princely states. LTC Portblair Tours rulers of the land were considered the representatives of God on earth and their palaces were no less than little paradises with intricate trademark architectural styles, finest plush carpets, sparkling massive chandeliers, grand furniture, landscaped gardens, beautifully morphed marble fountains, and all the facilities and amenities one might require for ultimate comfort and enjoyment at all times.The Golden Triangle Tour Packages of India are immensely popular among international tourists who love the richness of Indian art, architecture and history and offer them a quick glimpse of the essence of affluent India. Classical golden triangle tour packages in India mostly cover Delhi, Agra, and Jaipur – narrating the story of medieval India with Raj puts on one end and the great on the other. LTC Portblair Tours eternal enemies and best of friends, Raj puts and built forts and palaces in their trademark styles, had separate peculiarities of costumes to boast of, followed different religions, and celebrated social ceremonies in different styles. This provides a striking contrast to even the most casual observer.The extraordinary beauty of some of the most fantastic features of Agra and the abundance of other heritage monuments here lure international tourists to the city. The buildings here show marked differences in the styles that suited different Emperors. Akbar loved red sandstone refined the palaces it built with use of white marble.the master architect, loved marble and was as lavish in his expenses as he wanted while frugal-handed used stone and rubble to build his buildings. LTC Portblair Tours the popular host of the Commonwealth Games 2010 – is the Capital of India. As Indian government would want to believe you, the city is ‘Gateway to Your Heart’ with heritage monuments – both medieval and modern. The Red Fort, the, the India Gate, the Lotus Temple, Temple, and the venues of CW are some of the best places in India that form the highlight of North India tour packages.Jaipur is the place where you can actually experience the life. The luxury heritage hotels extend a warm welcome to their guests in a traditional way – with garlands, and may be a salute by the elephant. The welcome drink re-energizes you while a comfortable king-sized bed in your themed suite of a room with a beautiful view allows you to extend your legs and sleep over your jet lag. LTC Portblair Tours round of golf in the best golf courses in India and riding the elephant to the Amber Fort are some of the other Golden Triangle moments you will never to forget. India tours are a way to get a glimpse of this vibrant and exotic land. Being home of one of the oldest civilizations known to man, the Indus valley civilization, it has one of the richest and diverse culture and heritage in the world spanning over 5000 years. With 28 states and 7 union territories, India has varied culture, art and architecture and traditions pertaining to each region. There are several UNESCO world heritage sites, numerous dance forms and musical styles and exquisite art and handicrafts. Each region boats of its own unique cuisines. Chicken tikka is an international export and now a global dish. About the Author:

Preserve Funds With Health Care Insurance Intended For Your Pre-existing Issues By

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while mentally sharp

UnCategorized When I was a child, I had two grandmothers, a grandfather, two great-grandmothers, and a great-grandfather. On my father’s side, only my grandmother remained; the rest of them were all on my mother’s side. It was interesting to watch them grow older and go through the final stages of their lives, and more interesting to see how their caretakers dealt with their long term elderly care. My paternal grandmother has twelve children, and as she grew older, she developed Alzheimer’s Syndrome. Her mind slowly gave way over a ten-year period, and she finally needed nursing care. While she was still living in her own home, different aunts and uncles juggled her daily care, but they all had their own lives, and many of them lived out of state, so coordinating for her was difficult. When her health finally deteriorated to the point that it was beyond their scope, the consensus was that she be placed in a nursing home, where she spent the final years of her life. My maternal great-grandfather died when I was a little boy. His decline seemed to be rapid, and not a lot of extraordinary care was taken for him. That side of the family, however was very small, and so most of the care for my two great-grandmothers and my grandmother rested on my grandfather’s shoulders. His own mother, while mentally sharp, became physically frail, and every time she fell she would end up breaking a bone. My grandmother’s mother remained both physically well and mentally fit until about the last two years of her life. Both women made it into their nineties, and at the very end, they became residents at the same nursing home as my father’s mother. Prior to moving into a long term elderly care facility, my grandfather did his best to take care of his ailing mother. He arranged for visitors, took her meals, and helped with her bathing and bathroom needs. Sadly, he was without many resources or an experienced support group to him with these chores, and while he did an admirable job, I think he really could have benefited from a community of experienced care givers as well as people in his situation. Now, with the Internet, networking in this fashion has become easy and affordable. Even for someone like myself, with no current responsibility for loved one, can become part of the network and offer help and advice as well as training for the day when I may need to take care of an elderly friend or parent. About the Author:

Travel-and-Leisure India is also called a Mysteries Country where one can find mystical places & things on every visit. India in fact is one of the few countries in the world which provides all forms & all kinds of tour opportunities like Adventure

Travel-and-Leisure India is also called a Mysteries Country where one can find mystical places & things on every visit. India in fact is one of the few countries in the world which provides all forms & all kinds of tour opportunities like Adventure, wildlife, Spiritual, Religious, Beach, Forts & Palaces, Cultural & Festivals, Backwater, Tribal, Eco Tourism, Village, Yoga & meditation, Golf tours, Rejuvenation & Ayurveda, Skiing & Trekking tours with other holiday vacation tours. Among the above all Tours Golden Triangle considers one of the famous tour as by taking this trip one can capture different era of Indian history in the camera. Tour covers three major cities Delhi, Agra & Jaipur which are one of the main historical cities of north India and witnessed many rulers since Centuries. Though Delhi is most suited City to start your trip as being a Capital of India It is connected with almost entire world by various flight connections but it is not necessary to start your trip from Delhi as it can be start either from Jaipur or Agra as well. All these cities are situated at the same distance from each other and complete the triangle on the MAP which is called Golden Triangle. All three Cities of Golden triangle circuit played an important role in Indian history and are still considers center of attraction with many World heritage & Historical sites like Qutub Minar, Red Fort, Jama Masjid (Mosque), Lodhi Gardens, India Gate, Parliament & President House etc in Delhi, Taj Mahal, Etmad-Ud-Daula, Red Fort, Sikandra, Fatehpur-Sikri in Agra and Amer Fort in Jaipur (The Rajputana Terrotiry), City Palace, Hawa Mahal (Palace of Winds), Jal Mahal (Palace of Water), Jaigarh Fort etc in Jaipur and other modern architectures. Apart for the historical places & monuments, all these cities have their own specialty as Delhi has been divided in two parts, one is New Delhi & other is Old Delhi. New Delhi is famous for modern architectures & buildings with new age Big Malls, Markets, Restaurants & foods while Old Delhi is famous for one of the oldest market where you will get every item of daily use with tradition cuisines. It Tourists can have the local Rickshaw ride at narrow passages of Old Delhi. Apart for Taj Mahal, Agra is famous for Marble inlay work, workers of marble inlay work still using same techniques which was used to make the Taj Mahal. While going to Jaipur from Agra you will see small-small villages and a mountain range of Arawali Hills. Apart for World Heritage sites, Jaipur is famous for various festival & fairs with colorful dresses, Jewelry. Lots of fashion designers from various counties purchase dresses & Jewelry from Jaipur and prove their own creations in famous fashion shows. Ashoka India Tours is one of the leading Company in Delhi (India) provides complete solution for Incredible India Golden triangle tours. Our experts always give right tour advice to plan your dream trip according to your budget & requirements. About the Author:

Aston Morgan is a travel consultant and advisor for cheap flights and travel package deals from UK. His hobbies are Travelling

About the Author: Aston Morgan is a travel consultant and advisor for cheap flights and travel package deals from UK. His hobbies are Travelling, Writing, Biking and Snooker. He is interested in writing on travelling and flights to Los Angeles, USA, India, Mauritius, Singapore, Australia, Seychelles and other global destinations. He is currently associated with http://www.southalltravel.co.uk/. His blog: Article Published On: – Travel-and-Leisure

Tolga Serk | Oct 22nd 2013 – If you are looking for the best way to experience Turkey

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results can last one or more years. But other types of bleaching are sold in chemists and supermarkets

Dental-Care A person’s mouth and teeth are central to appearance. The first thing that many people see is a person’s smile, and we use our mouths to communicate. For many cultures, crooked or yellow teeth are fairly common. But in the United States, straight, white teeth are increasingly viewed as normal. If people are not born with perfect teeth, they can get them through a variety of procedures and products. Because of the power of media in the country, such as films and television programmes, this ideal of perfect teeth has started to change ideals worldwide about healthy and attractive teeth. Are the perfectly straight, white teeth that are thought to be normal in the United States something that other countries should also copy? Or are imperfect teeth okay? Orthodontia, or braces, makes crooked teeth straight. Braces take a long time to improve teeth – usually two years at minimum – and they are costly. They are very common in the United States and increasingly common in many places around the world. For getting the best teeth whitening treatment choose the best Cleveland Dentist . Braces can improve people’s confidence in their smile and whole face. But there are practical health reasons for braces, too. Crooked teeth make chewing more difficult. Because chewing is the first step of eating and digestion, teeth have to do their job right. Crooked teeth also can be more difficult to brush. This can lead to cavities. Another common procedure is dental bleaching, also known as teeth whitening. When a dentist gives a patient a teeth-whitening treatment, results can last one or more years. But other types of bleaching are sold in chemists and supermarkets, which makes them more convenient. However, the results do not last as long. Because whitening treatments are increasingly affordable and easy to get, they have become very popular. If people can have their teeth whitened every four to six months, will this make them more careless about caring for their teeth? Isn’t there a reason to take good care of the teeth through a daily routine of brushing and flossing? While demand for teeth whitening is very high, dentists should be the ones to advise which option is ideal. Some people have very sensitive teeth. Home-use teeth whitening products can have side effects. They slightly reduce tooth enamel strength and, as a result, teeth can become even more sensitive. Teeth can also be overbleached (known among dentists as "over-white teeth"). However, these risks are small. For now, teeth whitening seem to be a procedure that will remain popular and trusted only if the person chooses the certified and registered Cleveland Dentist for ADA approved association. About the Author:

The Article is written by Roxanne Wells at www.5hop5.co.uk providing Currys Promo Codes . Visit http

Heres a run down on the movies of 2011 that you mustnt miss: Source Code 2011 was a good year for thrillers, and Source Code was one of the most exciting. Jake Gyllenhall steps into Tom Cruises shoes as the futuristic sci-fi king. 127 Hours So we need to rewind right back to the beginning of thr year for this one, but boy was it a goody. Surprisingly so, actually, as most of the action consisted of our lead character being wedged between two rocks. James Franco does a really great job at making this one believable and not too Hollywood. Just prepare yourself for a good few cringe moments. The Hangover Part 2 The Hangover Part 2 manages to achieve the impossible in being a sequel that is as good, if not better, than the original. If you fancy having your funny bone tickled then get this out on DVD now! Harry Potter and the Deathly Hallows: Part 2 Probably the most anticipated film of recent years, the grand finale of the Harry Potters will have Potter fans weeping into their popcorn. The cinema release saw queues winding out of the local multiplex, and when the DVD is released it will be a must buy for anyone swept up in the drama of Harrys life. The Black Swan Natalie Portman gives the performance of her career in this modern day classic. This psychological thriller will enthral from beginning to end, not least because of the amazing choreography and beautiful costumes. The Kings Speech Good old Colin Firth gives a wonderful performance in this thoroughly British affair about a King crippled by his stammer. The wonderful and wacky Helena Boham Carter supports beautifully. Limitless Bradley Cooper gives a fantastic performance in this intriguing and exciting movie about the potential of the brain. Truly brilliant, with some fantastic directorial touches, the more I thought about this one, the more I liked it. Unknown Liam Neeson gives a great follow up performance to his previous thriller hit Taken with Unknown. A classic twisty turny thriller that doesnt disappoint. The Inbetweeners Movie Fans of the TV series will love this movie which follows Simon, Will, Jay and Neil on their adventures to Malia. Everyone whos been on a teenage holiday abroad will relate to the shenanigans they get up to in this laugh out loud comedy farce. Cars 2 The biggy for little ones in 2011 was Cars 2. This time it was Mater’s turn to steal the show which made for more laugh out loud moments than the original. Cars 2 also has more characters and more fun cars, which is sure to thrill young fans of all things four wheeled. Dairy of a Wimpy Kid Roderick Rules The second Wimpy Kid film did a great job living up to the first one, and provided lots of laughs for kids of all ages. A hidden gem for ages 5 to 105. Transformers 3 Spectacular action scenes are what the Transformers franchise is all about, and Transformers 3 has them in abundance. So what if the story line and the acting skills are a bit thin, you get to see giant robots battle it out on the big screen. Win! And still to come The Hobbit So far, this Lord of the Rings prequel has a release date for 31st December 2011, just catching the tail end of this year. I can see many people scrapping the traditional new years eve pub and club shenanigans for a quiet evening at the cinema. About the Author: The Article is written by Roxanne Wells at www.5hop5.co.uk providing Currys Promo Codes . Visit http://www.5hop5.co.uk for more information on www.5hop5.co.uk Products & Services. Copyright information This article is free for reproduction but must be reproduced in its entirety, including live links & this copyright statement must be included. Visit www.5hop5.co.uk before you shop. Article Published On: – Shopping-and-Product-Reviews

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