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瑞金市人民医院人民医院地址上犹县医院治疗内分泌多少钱Amassing wealth is terrific─as long as you can tap into it when you need to.积累财富是件绝妙的事情──因为当你需要的时候就能够利用它们。But what if many of your assets are illiquid?但是如果你的财产很多都是非现金性质的,那该怎么办呢?That is a common problem among some wealthier investors. When the perfect investment opportunity comes along─say, a real-estate project or private-equity fund─these investors are unable to redeploy funds quickly.在一些比较富裕的投资者中,这是一个普遍的问题。当绝好的投资机会到来时──比如,一个房地产项目或者私募基金──这些投资者无法迅速调动资金。To combat the problem, investors increasingly are turning to low-interest-rate loans from private banks or wealth-management firms to tap anywhere from ,000 to hundreds of millions of dollars. They use a pool of their own securities, artwork or even aircraft as collateral.为了应对这个问题,越来越多的投资者从私人或财富管理公司申请低息贷款,借取75,000至数以百万计美元不等的资金。他们使用自己持有的有价券、艺术品甚至飞机作为抵押。Corporate executives have borrowed against their stock holdings for years using such loans. Known as #39;structured lending#39; or #39;borrowing against holdings,#39; the practice grew more popular among smaller investors in 2012, say executives at wealth-management firms and private banks.公司高管们通过这类贷款用所持股票作抵押借取资金已经有好些年了。财富管理公司和私人的高管们说,这种操作行为人称“结构性贷款”或“股份抵押借贷”,2012年在小投资者中越来越流行了。At Raymond James Bank, a subsidiary of Raymond James Financial, a St. Petersburg, Fla.-based financial-services company, securities-based loans outstanding rose to 4 million at the end of 2012 from million in March.瑞杰(Raymond James Bank)是总部位于佛罗里达州圣皮特斯堡(St. Petersburg)的金融务公司瑞杰金融集团(Raymond James Financial)下属的子公司。该以有价券作抵押的未偿贷款从2012年3月的4,100万美元上升到了年底的4.14亿美元。#39;People are feeling a lot more comfortable and want to re-enter business transactions,#39; says Anne McCosker, co-head of credit products at the Wealth and Investment Management division of Barclays . #39;At the same time, banks are generally increasing their appetite for credit again.#39;巴克莱(Barclays)财富和投资管理部负责信贷产品的联合主管安妮#8226;麦科斯克(Anne McCosker)说,“人们现在感觉轻松多了,想要重新进入商业交易领域。与此同时,也普遍重新增加了放贷量。”Securities-based loans, or loans made against pools of securities, are increasingly attractive to clients because of their low interest rates and flexibility, says Jordan Waxman, a managing director and partner at HighTower#39;s HSW Advisors, which has about billion under management. Currently, annual interest rates fluctuate between 1% and 2%. He says loan liabilities comprise million of assets under management at his practice.HighTower公司所属HSW Advisors的常务董事及合伙人乔丹#8226;韦克斯曼(Jordan Waxman)说,有价券类贷款,也就是以有价券为抵押获取的贷款,因其低利率和灵活性的特点对客户越来越有吸引力。HSW Advisors管理的财富达10亿美元左右。目前此类贷款的年利率在1%和2%之间波动。韦克斯曼说他管理的资产中60%是贷款负债。Clients have been using the loans for opportunistic investments that should return more than the cost of borrowing the capital to invest, Mr. Waxman says. Depending on the loan, there might also be no set #39;due date#39; for when clients have to repay the loans.韦克斯曼说,客户使用这种贷款进行机会性投资,这些投资的回报高于借贷的成本。根据具体情况,有的贷款可能没有设定客户必须偿还贷款的“到期日”。The loans carry advantages and drawbacks.这类贷款有利有弊。On the positive side, the loans let people keep their portfolios intact, without having to forsake future profits in the market and having to incur capital gains, says Andrew Kaiser, chief operating officer of Goldman Sachs Bank USA, a unit of Goldman Sachs Group.高盛集团(Goldman Sachs Group)下属美国高盛(Goldman Sachs Bank USA)的首席执行长安德鲁#8226;凯泽(Andrew Kaiser)说,从有利的方面来看,这类贷款可以让人保持投资组合的完整性,无须放弃未来的市场利润,也无须交纳资本利得税。Borrowers should remember they must pay back the loan with interest─and might end up having to sell of a portion of their securities to do so if the value of the securities declines, warns Bill Geis, executive vice president of retail lending at Raymond James Bank. Typically, clients use the income generated by the investments made possible by the loan to pay it back. But if those investments sour, the borrower still is on the hook.瑞杰负责零售贷款的执行副总裁比尔#8226;盖斯(Bill Geis)警告说,借款者应该记住,他们偿还贷款时必须付利息──如果券的价值下跌,他们可能最终不得不卖掉部分券来还贷。一般来说,客户使用成就他们投资的贷款所产生的收益来偿还贷款,但是如果那些投资失败,借款者便会陷入困境。The interest rate on the loans tends to be floating, says Mike McPartland, head of investment finance for North America at Citi Private Bank, a unit of Citigroup. The rate is typically tied to the 30-day London interbank offered rate. If the interest rate is Libor plus one percentage point and the 30 day-Libor is 0.25%, then the interest rate on the loan would be 1.25%. Some firms offer fixed rates as well, says Ms. McCosker of Barclays.花旗集团(Citigroup)下属北美花旗私人(North America at Citi Private Bank)的投资财务负责人迈克#8226;麦帕特兰德(Mike McPartland)说,这类贷款的利率往往是浮动的。它的利率一般是和30天的伦敦同业拆借利率(London interbank offered rate,简称Libor)相关联的。如果这种贷款的利率是Libor+1%,而30天的Libor是0.25%,那么它的利率就是1.25%。巴克莱的麦科斯克说,有些贷款也提供固定利率。Loans differ depending on the nature of the collateral, Mr. McPartland says. For example, securities that are less volatile, like municipal bonds and Treasurys, will on average command an #39;advance rate#39; of 85%. So, if you put up million worth of securities, you would receive a loan worth million. The advance rate would be lower if the securities were noninvestment grade.麦帕特兰德说,贷款因抵押品性质的不同而有差异。比如,像市政债券和国库券这些稳定性较好的券平均会获得85%的“放款率”。因此,如果你的抵押债券价值5,000万美元,你会得到4,300万美元的贷款。如果债券属于非投资级债券,放款率就会低一些。Banks are more likely to lend against more liquid offerings, like securities, than against assets like interests in a hedge fund or private-equity fund that are harder to value, says Mindy Rosenthal, executive director of the Institute for Private Investors, a New York group for high-net-worth families.纽约为高净值家庭务的私人投资者学院(Institute for Private Investors)的执行董事明迪#8226;罗森塔尔(Mindy Rosenthal)说,相对对冲基金投资和私募基金投资这些比较难以估价的资产,更愿意以券等流动性更强的资产为抵押发放贷款。Still, Stephen Brodie, a partner at law firm Herrick, Feinstein in New York who represents six different private banks in lending to high-net-worth individuals, says art loans are #39;far more common#39; today than they were three or four years ago.六家向高净值个人提供贷款的私人的法律代表、纽约Herrick, Feinstein律师事务所的合伙人斯蒂芬#8226;布罗迪(Stephen Brodie)说,如今艺术品抵押贷款比三、四年前“常见多了”。Works of art can be tough to sell quickly, and usually have advance rates from 40% to 50% of a conservative value estimate, Mr. Brodie says. Interest rates on those loans might be Libor plus two or three percentage points, says Scott Milleisen, a capital adviser at J.P. Morgan Private Bank, a unit of J.P. Morgan Chase.布罗迪说,艺术品很难快速出售,通常其放款率只有其保守估价的40%-50%。根大通(J.P. Morgan Chase)下属根大通私人(J.P. Morgan Private Bank)的资本顾问斯科特#8226;米莱森(Scott Milleisen)说,这类贷款的利率可能是Libor加2-3个百分点。To use art as collateral, clients also must pay appraisal fees to the bank─but they usually get to keep the art on their walls.要使用艺术品作抵押,客户也必须向付估价费──但是他们通常能把艺术品继续挂在自家的墙上。 /201304/232940定南县中医院收费标准 1. Eat a good breakfast1. 早餐要吃好A child#39;s brain needs a proper balance of nutrients suchas glucose, iron, vitamin A, vitamin B, zinc, and folic acid.Kids who eat breakfast have better memory and longer attention spans.Whole grain cereals and oatmeal have been found to be a better start to the day than sugary cereals like Cap#39;n Crunch.With toddlers, breastfeeding has been shown to improve health and intelligence.小孩的脑部发育需要许多营养物质,比如葡萄糖、铁、维他命A、B、锌、叶酸(维生素B)。吃早餐的孩子好,注意力集中程度也较高。早餐最好是全谷类食品和燕麦片,而不是像Cap#39;n Crunch这样含糖的谷类食品。有据明,母乳喂养有助于提高孩子的抵抗力和智商。2. Engage in music-making2. 音乐熏陶Give your kids lessons in piano, guitar and violin; music helps your children develop higher IQs.On average, music students perform better on standardized tests and have higher over all GPAs.In one experiment, it was found that taking piano lessons even helped raised IQ significantly.让您的孩子学习钢琴,吉他和小提琴;音乐有助于培养孩子的高智商。在标准化考试中,学习音乐的学生比其他学生表现的更好,平均分也更高。标准化考试中,学习音乐的学生比其他学生表现的更好,平均分也更高。3. Play Games3. 游戏也能增长智力Studies show that games can improve many skills.According to the UC Berkeley study, games can improve:hand-eye coordination,problem solving ability,reasoning,pattern recognition,accuracy of estimations,hypothesis testing,resourcemanagement,quickthinking and reacting,memory,spatial perception,judgment calls.有助于改善多种技能。根据根据加州大学伯克利分校的一份研究显示能够改善手眼协调能力、解决问题的能力、推理能力、图像识别能力、判断能力、假设检验能力、资源管理能力、快速思考和反应的能力、、空间感知能力和决策能力。Pretending type of games and playtime can help your develop intellectually, especially if your child is between ages 1 and 3.It also helps children remember and recall events with least hassles.伪装类型的游戏和时间可以帮助你的孩子开发智力,特别是如果您的孩子是1到3岁之间。它也帮助孩子记忆,不去想那些少有的麻烦事。4. Limit television time4. 限制孩子看电视的时间Of course, too much of anything can still be badthing.Kids still need time away from the TV to develop social skills and do homework.Control TV time as uncontrolled TV can hinder your child#39;s ability to concentrate and focus on studies.当然,太多的干某件事情会适得其反。孩子们仍然需要削减一些看电视的时间来发展他们的社交能力或者做作业。控制看电视的时间,因为长时间看电视会影响你的孩子对学习的专注能力和很难专心学习。5. Unstructured play time should be mandatary5. 必须让孩子自由玩耍Unstructured playtime has always been an importantpart of ;being a kid,; but it is also crucial to a child#39;s development.Hovering and over-parenting is linked with psychological problems.;Free play; not only helps kids develop cognitive and social skills, it also helps them develop into happy, healthy adults in the future.对于小孩来说,自由玩耍是非常重要的一部分,同时也对他们的成长至关重要。如果父母老是在一旁或者管的太多,容易使孩子产生心理问题。自由玩耍不仅能帮助孩子发展认知能力和社交能力,还能让他们成长为快乐健康的成年人。6. 20 minutes of exercise helps kids too6. 20分钟的体育锻炼A Swedish study of over a million 18-year-olds showed that fitness does relate to a person#39;s IQ.The specifics of how exercise affects brain growth and development is unclear, but studies show that for 9 and 10-year-olds, 20minutes of exercise before a test significantly improves test scores.瑞典一项基于100万18周岁人群的研究显示,健康和一个人的智商息息相关。人们现在还不清楚体育锻炼是怎样影响大脑发育的,但是研究显示,如果9至10岁在接受测验前进行过20分钟的体育锻炼,测验分数有显著提高。7. Reading with your kids7. 和孩子一起阅读Reading has long been known as away to improve children#39;s intelligence.Kids who are to frequently develop earlier writing and number skills as well.For parents who don#39;t have as much time, just surrounding your kids with books goes a long way too.人们很早就知道阅读有助于提高儿童的智商。经常阅读的孩子的写作和算术能力比其他孩子发展的要早。如果父母没有那么多的时间,那么拿着书和孩子们呆在一起也会大有帮助。8. Put kids to bed early8. 让孩子早点睡觉Studies from a California-based group called SRII nternational show that kids with regular bedtimes are better at languages,math, and ing.Preschool children should get at least eleven hours of sleep, and kids upto age 12 should try to get at least ten hours of sleep.总部设在加州的斯坦福研究院的研究显示,作息时间规律的小孩在语言、数学和阅读等方面表现的比其他孩子要好。学龄前的儿童至少应该保11个小时的睡眠,12岁的小孩也应该至少保10个小时的睡眠。9. Praise good effort, not intelligence9. 鼓励孩子多尝试,不要只注重结果Your kids may be smart, but you should focus your praise on the effort they put into succeeding at tasks.Kids who are praised on intelligence often feel it is a fixed trait, and mistakes or failures severely hurt their self-confidence.Kids who are praised on effort often focus more on learning, and are not afraid of a challenge, or to fail and try again.孩子们可能很聪明,但是父母更应该注重对孩子们完成任务时所作出的努力给与鼓励。如果父母总是在孩子们获得成功时才给与鼓励的话,孩子们会认为这是一种固定的模式,任何错误或者失败都会打击到他们的自信心。被父母鼓励多尝试的孩子更多地注重学习,也不怕挑战和失败,他们会一次次的尝试。10. Learn a second language10. 学习一门外语Early studies in this field have preliminarily shown that bilingual kids can focus better under pressure and focus better on relevant information.Research is being done still, but many argue that the peak of language learning ability ends before puberty.It has been shown that young children can learn new languages with nearly perfect fluency and pronunciation.这一领域先前的研究表明,会说两门语言的孩子在压力环境下更能集中精神,对于相关信息的专注度也更高。相关方面的研究还在继续,但是许多人认为,语言学习能力在青春期前达到顶峰,而后就保持在固定的水平。还有据表明,孩子学习起新语言来会非常流畅,发音也更为准确。 /201301/2227191.Show Skin StrategicallyLooking truly sexy involves knowing what to bare—and what to keep under wraps. Otherwise, where#39;s the mystery? ;Choose one—only one—body part and show it off,; advises Jen Rade, stylist to Jenna Fischer and Angelina Jolie. ;If it#39;s cleavage, don#39;t show your legs. If it#39;s your legs, stay covered on top.;1、战略性地展示你的肌肤看起来的真正性感包括要知道哪里该露哪里该遮。否则,哪儿有神秘可言?“选择一处-----仅仅一处-----身体的某部分并展现出来”设计师詹娜费舍尔和安吉丽娜朱莉的造型师Jen Rade建议道。“如果是乳沟,不要展示你的腿。如果是你的腿,那就上半身遮住。”2. Round Up White Button-DownsThey elevate jeans. But all that mileage comes at a cost: a short shelf life. So buy three, don#39;t over bleach (which can cause yellowing), and refresh regularly.2、白衬衫扎起来他们提高牛仔裤。但是所有好处都是有代价的:一个短的保质期。所以买三件,不要过度使用漂白剂(可能导致泛黄),并定期更新。3. Accessorize in BrightsIf you#39;ve got a closet full of neutrals—be they navy, black, camel, or gray—add energy with boldly hued shoes and bags. Feeling really brave? Wear a neutral base with shoes and a bag in two different complementary colors.3、用亮色装饰如果你已经满满一鞋柜的中性色,他们是海军色、黑色、驼色或灰色,大胆搭配鞋子和手袋来增加活力。感觉真的很大胆吗?穿着中性的基础是以两种不同的互补色的鞋和手袋来搭配。4.Hem Your Pants for a Shoe Height;The biggest mistake women make is wearing pants that aren#39;t the right length for their shoes,; says stylist Kate Young. Generally, hems should just graze the tops of your shoes and be from 1/2 inch to 3/4 inch off the floor.4、裤子下摆适合鞋子的高度“女性犯的最大错误是穿的裤子不是为她们的鞋子而存在的正确长度,” 设计师Kate Young说。通常,裙摆应该正好刚掠过你鞋子上面,离地面0.5到0.75英寸。5.Embrace Your Shape;Once you know which silhouettes flatter you, filter trends ruthlessly,; says designer Shoshanna Gruss. For instance, if you#39;re petite and shapely, it#39;s best to avoid tall columns and maxis even if you love them. Go for a dress with a defined waist and just-above-the-knee hem.5、接受你的体型“一旦你知道哪个体型适合你,那就无情地略过潮流,”造型师Shoshanna Gruss说。例如,如果你的身材娇小而匀称,最好避免高条纹和长大衣即使你爱他们。去找一条收腰和略高于膝盖的裙子。6.When in Doubt, Wear Nude PumpsMatched to your skin tone, they#39;re a pretty safe bet. (And they make legs look longer.)6、有疑问时,穿裸色高跟鞋与你的肤色相协调,他们是非常安全的一招。(而且他们可以使腿显得更长。)7. Make a List Before You ShopNot of what you want to buy, but of the 10 fave items in your closet. This will help you zero in on pieces that mesh with what you own (or remind you that you never actually wear big floral prints).7、在你购物前列一个清单不是你想买的东西,而是你衣柜里最爱的10项。这将帮助你瞄准与你所拥有的相配的东西(或提醒你,你从来没有真正穿过大印花)。8. Always Check Out the Rear ViewAnd don#39;t leave the house until you like what you see. Every angle matters. Trust us.8、总是要从后视镜中检查一下不要离开屋子直到你喜欢你所看到的。每个角度都很重要。相信我们。9. Edit Your ClosetClothes need breathing room! You should be able to see every item without rummaging. Consider donating anything you haven#39;t worn in the past year.9、清理你的衣橱衣需要呼吸空间!在没有乱翻的情况下你应该能够看到每一件衣物。考虑捐出你在过去的一年没有穿过的衣物。10.Open Your MindAlways take one ;it#39;s cute but so not me; thing into the fitting room. You never know!10、打开你的思维总要拿一件“它很可爱,但不适合我”的东西进试衣间。你永远都会不知道! /201211/208881赣州男科医院检查什么价格

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石城县人民医院治疗性功能障碍多少钱 Signs of a global economic recovery are glimmering, but are they enough to justify taking a major vacation?尽管全球经济隐约出现复苏的迹象,但是不是单凭这点就足够让我们来休个长假了呢?Well, the world is always bigger than our wallets are deep. One of the simplest options is to find a place that has a lot to offer but hasn’t yet been hit by the price inflation that comes with mass popularity.好吧!世界如此之大,我们的钱包永远都不够用。最简单的就是找一个乐趣多多但尚未沦陷成人山人海以及贵得离谱的旅行圣地。To help travelers in search of value, we’ve assembled, with the help of professionals from USA Today, CNN and Lonely Planet, a list of destinations that are worth going to while they’re still cheap.为帮助驴友们发掘超值之旅,我们综合借鉴了《今日美国》、美国有线电视新闻网CNN以及《孤独星球》上的相关内容,为您盘点出一系列超值旅行目的地。Mexico墨西哥Advance bookings to Mexico are at their strongest in 15 years, according to Catherine Banks, vice-president of Legacy Travel, a travel agency in the US. “Cost structure is different than most other places, ” Banks told CNN earlier this year, meaning Mexico is inherently cheap. Combine that with the negative publicity of drug-related violence and a weak world economy that is starving Mexico of its traveling business, and this country is y to make a deal.美国Legacy Travel旅行社副总裁凯瑟琳班克斯表示,前往墨西哥的机票预订量创15年来最高值。“墨西哥之旅的费用结构与其他许多地方不同,”班克斯今年年初在接受CNN采访时表示,这就意味着墨西哥之旅本身就比较便宜。由于毒品暴力的负面影响以及全球经济低迷不振,墨西哥的旅游业倍受打击,而现在这个国家已经准备好大打“旅行牌”了。“In Cancun and Riviera Maya, there are more five-star resorts than the Caribbean and Hawaii combined, ” Banks added. “And the price isn’t even close to the same.” They’re all sitting empty and waiting for guests.“坎昆和玛雅河的五星级度假酒店比加勒比海地区和夏威夷加起来还要多,”班克斯补充道。“而价格却是天壤之别。大量的空房等待客人的光临。”Currency condition: The Mexican peso has been weak and inflation low in recent months, according to Forex.com. Its ratio to the Chinese yuan is now 1:0.5.当地货币情况:据嘉盛外汇消息称,最近几月,墨西哥比索疲软且通胀率低,与人民币当前汇率为1:0.5。 /201306/244209兴国县医院看男科医院兴国县治疗前列腺炎多少钱

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