2020年02月23日 23:04:40|来源:国际在线|编辑:365在线
Investment banks' squeezed Ladenburg Thalman's managing director sees weak bank earnings for 1-2 years during the change to a commercial-bank model. You have been in this industry for a while, uh, through a lot, this is certainly a shocking time. Why do you think that Goldman Sachs and Morgan Stanley would make an announcement like this, with this timing?Well, I think there were a few reasons. The first one was that last week they couldn’t refund their debt. In other words, because so many investors questioned the value of their assets, the people who were supposed to roll over their debt wouldn’t do it. They just didn’t have confidence in the companies. And therefore, the companies needed assistance immediately from the ed States Treasury, which I believe is forthcoming with Mr. Paulson’s new plan. Second point was that they knew that they were gonna be regulated, because virtually, every person in Congress has indicated pretty clearly that they want to regulate the investment banking business, you know, when the next Congress comes to meet. Thirdly, they wanted to show stability, they wanted to show that they US government was controlling them, that they had deposits that would be backed by the FDIC. In other words, they wanted to show some degree of solidity, so they took the step to do what was inevitable, in my estimation.Dick, was this the only option really facing Morgan and Goldman, I mean, Would we have seen a run on the bank within a week or two if this hadn’t happened?I think so. Well, I think you were seeing a run on the bank, and I think that the actions that the Treasury took is what stopped the run on the bank, as oppose to, you know, their declarations of being bank holding companies. I think because they are bank holding companies, it makes it easier for the Treasury to buy assets from them, which probably wouldn’t have been that easy if they remained strictly investment banking companies.This has to lower/ their risk-reward profile, so when we look ahead to quarterly earnings reports, I mean, are we going to see shrinking profit for these stocks because of that?Well, yeah, I mean, you are gonna see the fact that, but this would have happened anywhere, right? In other words, the companies are de-leveraging, they are getting smaller and smaller because people don’t want to give them money. Alright, so that another fact is / when you de-leverage a balance sheet, your earnings are gonna be substantially less. Also, you’re in a cycle which is very negative at the present time, which means that there just isn’t business out there. You can’t do IPOs, you can’t bring in new private equity deals, prime brokers business, you’re shrinking, you can’t do mortgage deals, so earnings are gonna be very weak for at least a year, maybe two years for these companies, whether they are bank holding companies or not. The fact that they are bank holding companies, I think, creates a little bit more stability to their earnings but they’re just not gonna have good earnings for quite some time. 200811/54673Dear Annie: My girlfriend and I have been together for three years. When we first started dating, "Mary" unexpectedly became pregnant and we now have a beautiful child who is our life's joy. I would like to ask Mary to become my wife. Here's the problem: Money is pretty tight with a toddler, so buying an expensive engagement ring will be difficult. Is cubic zirconium worth looking into? I thought I'd get a nice-looking CZ ring and, when things settle down, maybe replace it with a real diamond. 我和女友在一起已经3年了,当我面刚开始约会时,"Mary"意外地怀了,我们现在有了一个漂亮的小孩,孩子给我们生活带来了很多乐趣。我想向Mary求婚。问题在于:要养一个小孩钱很拮据,所以买一个昂贵的订婚戒指是很难的。能考虑买铝合金戒指吗?我愿想买一个漂亮的铝合金戒指,当事情定下来后,用真的砖石戒指来替换。My initial thought is to be upfront with Mary and tell her. Do you think that's a good idea? We have a joint checking account, so she'll know all about my purchases. Is there a good way to mask how much the ring costs? - Perplexed in the Midwest 我最开始想和Mary直说。你认为这样做好吗?我们的账户是2人共有的,她会知道我买什么东西了,有好办法来掩饰戒指的花销吗?Dear Perplexed: Don't lie to Mary about the value of the ring. Women can be very understanding about not getting a diamond, but they don't like being fooled. And if you are serious about replacing the ring later, it doesn't matter what the original is made from. As for hiding the cost, you can put aside small amounts of cash until you have enough to purchase the ring and Mary will never know what you paid for it. P.S.: Best wishes on your upcoming engagement.戒指的价值不要和Mary撒谎。女人们对不买砖石戒指是可以理解的,但是她们不喜欢被欺骗。如果你真的想事后换下了,那最先的戒指是什么材料都不重要。至于隐藏花销,你可以先却出小笔钱知道你有足够的钱来购买戒指,Mary从不会知道你用这些钱买什么了。祝福你们婚礼。 【生词注释】unexpectedly (adv.) 意外地;突然地toddler (n.) 幼儿;刚学步的小孩engagement (n.) 订婚;约会look into 研究;考虑to settle down 稳定;安身to be upfront 直接;坦白purchase (n.) 购买;採购perplexed (adj.) 令人困惑的;麻烦的to be fooled 被欺骗;遭愚弄upcoming (adj.) 接近的;即将来临的201110/157717Unable to leave his harem to feed its seed, hes losing 50 pounds of blabber a day.由于无法离开他的后宫养育后代,他一天失去50磅。Aly the albatross checks a hatching in staggering numbers downy and demanding with unending patience. The new mother waits for her mate to return for his far origin until near starvation if she must.数目惊人信天翁用永无止境的要求和耐心检查孵化情况。新妈妈等待她的伴侣回巢,她知道饥饿临近时他才会回来,而这些对她来说是必须的。He, meanwhile, may be covering thousands of miles on the way, simply to find food for his brood. He returns having the seafood. After a brief greeting, they transfer parental responsibilities. He fails the chicks belly and the familys content.与此同时的他也许正在数千英里外的路上,只为了给幼仔找些食物回来。他回来的时候会带着海中美食。经过短暂的问候后,他们互相转换家庭责任。他对抚育幼仔和家庭责任一窍不通。The Johny looks hungry too. Sometimes the parent never returns from the sea.但是乔尼看起来也是饥饿难耐。有时候父母永远不会从大海中回来。词语解释:1. harem n. 后宫2. albatross n. 信天翁163598

Clinton: US, Pakistan, Afghanistan Face 'Common Threat' of Extremism美、巴、阿三方会谈强调加强合作  U.S. Secretary of State Hillary Clinton convened a three-way meeting with the leaders of Pakistan and Afghanistan Wednesday, saying they face a common threat, task and challenge posed by Islamic extremism. Clinton stressed U.S. regret over the death of Afghan civilians in a U.S. air attack Monday against Taliban forces.美国国务卿克林顿星期三召集巴基斯坦和阿富汗领导人举行三方会议。她表示,他们都面临伊斯兰极端主义带来的共同的威胁、任务和挑战。克林顿强调,美国对美军星期一对塔利班武装力量进行的空袭造成阿富汗平民死亡感到遗憾。The trilateral meeting, the second of its kind this year, comes at a critical juncture with both the Pakistani and Afghan governments facing major battlefield challenges from militant forces. 这次三方会议是今年举行的第二次类似会议。它是在巴基斯坦和阿富汗政府都在战场上受到激进分子的重大挑战的时刻举行的。Clinton, convening joint talks that are to continue later at the White House with President Obama, said the administration has common cause with the two South Asian governments, who she said are struggling with extremists who would destabilize and undermine democracy.克林顿召集的三方联合会议晚些时候将在白宫同奥巴马总统继续举行。克林顿说,美国政府与这两个南亚国家政府有共同的奋斗目标,因为阿、巴两国都在与破坏稳定和民主的极端分子作斗争。The trilateral meeting convened under a shadow of one of the most serious incidents of U.S.-inflicted civilian casualties of the Afghan war, with dozens of Afghans reported killed in a bombing raid aimed at Taliban forces in the western Farah province.正在这次三方会议举行之际,刚发生了美国在阿富汗战争中导致平民伤亡的最严重的事件之一,据报导,有几十名阿富汗人在美军对阿富汗西部法拉省的塔利班力量进行轰炸时丧生。Clinton in opening remarks with Afghan President Hamid Karzai and Pakistan President Asif Ali Zardari, reiterated a U.S. statement of regret issued late Tuesday and a promise to investigate the matter. 克林顿在与阿富汗总统卡尔扎伊和巴基斯坦总统扎尔达里会谈的开幕致词中,重申了美国星期二晚间发表的表示遗憾的声明,并承诺对有关事件进行调查。"We deeply regret it," Clinton said. "We don't know all of the circumstances or causes, and there will be a joint investigation by your government and ours. But any loss of life any loss of innocent life, is particularly painful. And I want to convey to the people of both Afghanistan and Pakistan that we will work very hard with your governments and your leaders to avoid the loss of innocent civilian life." 她说:“我们对此深深表示遗憾。我们不了解当时发生的所有情况和原因,你们的政府和我们的政府将进行联合调查。但是,任何生命的丧失,任何无辜生命的丧失,都令人特别痛心。我希望向阿富汗和巴基斯坦人民传达这样一个信息,那就是我们将和你们的政府和你们的领导人一道努力工作,避免无辜平民的丧生。”For his part, President Karzai - who appealed in Washington Tuesday for the ed States to be more sensitive to Afghans - said he the hoped the two governments can work together to reduce and eventually eliminate such occurrences.卡尔扎伊总统星期二在华盛顿从他的立场出发呼吁美国对阿富汗人更富有同情心。他说,他希望两国政府能共同着手减少、并最终消除这类事件。He also said he hoped the trilateral forum can help ease his country's frequently tense relationship with neighboring Pakistan. 他还表示,他希望三方论坛能协助缓和阿富汗同其邻国巴基斯坦的关系经常出现的紧张局面。"Occasions like today, Afghanistan will use to the best of its ability to deliver to the effectiveness of what we're doing together for stability and to do the right thing with regard to our relations with Pakistan in bringing more confidence, more trust, and a working environment in which the two countries together can wage a more effective struggle against the menace of terrorism, and the violence that radicalism causes," Mr. Karzai said. 他说:“阿富汗将尽一切努力利用像今天这样的机会,来有效地维护稳定,采取正确步骤改进我们同巴基斯坦的关系,进一步树立信心和信任,并创造这样一种氛围,使得两国能针对恐怖主义的威胁和极端主义带来的暴力发动更有效的斗争。”U.S. officials in recent weeks have expressed open concern about the Pakistani government's commitment to defending against Taliban inroads after militants went on the offensive in districts north of Islamabad. 在激进分子于伊斯兰堡以北地区发动攻势之后,美国官员最近几个星期对巴基斯坦政府关于捍卫领土、不让塔利班得寸进尺的承诺公开表示担忧。But in his remarks, President Zardari stressed his commitment to the fight against terrorism, saying the threat is common to all three countries and the burden is shared. 但是,扎尔达里总统强调了他有关打击恐怖主义的承诺,说威胁对三个国家都存在,大家都要分担这个重任。"I'm here to assure you that we shall share this burden with you, for no matter how long it takes and what it takes, democracies will deliver. My democracy will deliver," Mr. Zardari said. "The people of Pakistan stand with the people of the ed State and the people of Afghanistan. We stand with our brother Karzai and the people of Afghanistan against this common threat, this menace which I have called cancer." 他说:“我在这里向你们保,我们将与你们分担这个重任,无论需要多少时间,无论需要付出什么代价,我们的民主制度将会获胜。巴基斯坦人民与美国人民和阿富汗人民站在一起。我们与我们的兄弟卡尔扎伊和阿富汗人民站在一起,抵御这个共同的威胁,这个我把它称为毒瘤的威胁。”The opening event of what are to be two days of high-level talks included the signing of a memorandum of understanding between Pakistan and Afghanistan for the conclusion of a border trade and transit agreement by the end of this year - an accord under discussion for more than 40 years.为期两天的高层会谈的开幕活动包括巴基斯坦和阿富汗为在今年年底之前缔结边界贸易和运输协议签署一份备忘录,双方已经就这份协议进行了四十多年的讨论。05/69002

Aging Tires That Look NewBrain Ross with a troubling investigation about the American tire industry.Summer time means millions more people on the road which makes it urgent that you see what Bryant Ross has discovered about tires. Are those new tires really new? Experts say finding out could protect you from deadly consequences. The call came to the Moore house in Newtown, Pennsylvania just days after 18-year-old Andy Moore had left in the family van for a graduation trip to Canada. "My ex-wife called me, Andy’s brother called me. And I'll never forget she said a policeman just came to the house, they told me Andy had a car accident, and then her voice started to crack, she said that and they told me that he died." Police outside Toronto said the accident that killed Andy Moore and Andy’s best friend wasn’t caused by speed or alcohol, but by a tire failure. The tire didn’t just blow out. The t actually peeled off the tire, leading Robert Moore to a troubling discovery about the American tire industry. "I got my vehicle maintenance records together, and that's when I discovered that the, tires that I thought were new were actually 4 years old when I bought them.” It turns out that tires sold in this country can be sitting on the shelves for years. And only later would Robert Moore learned about the researching tests which show that as tires get older, even if they look new, they begin to dry out, and after 6 years of age can become very dangerous. At the time of the accident, the tires on the Moore family van were actually 9 years old. I was led to believe I had safe tires on the car, and so I sent these boys off to Canada, thinking they had a safe vehicle and they didn’t.And decedent test done for lawsuits, when a car is traveling at highway speed and a tire t comes off, the car violently swerves and weaves. Even a skilled driver, who knew he was about to lose the tire, could not keep control. "I think I'm okay, I think I'm okay!""There is no scientific information that can point to when a tire should be removed because of age.""It’s a hidden danger. You can look at a tire where the tire looks greatly fine, you don’t know what’s going on inside it, that's what makes it so dangerous,"Shawn Cane who runs a private auto-safety research firm has been in the forefront of trying to draw attention to the issue of aged tires."Essentially it'sdrying out, yeah, it's becoming less elastic.” Even when the tire has never been driven a mile and looks like it has plenty of t depth, the usual test of a tire safety: "You have plenty of t depth on this tire, right, plenty of t depth, it's brand-new," "Yet it's very dangerous in your view.""Absolutely.” 01/60396

American ingenuity begets some whacky inventions...the approaches, a book that would surely make America's founders, Founding Fathers proud, maybe laugh a little bit too.The author of Gadget Nation explains why the freedom to go after your dreams can lead to some pretty whacky inventions. Hi,I'm Steve Greenberg and I am the author of Gadget Nation.It's a book all about offbeat gadgets and the inventors behind them.It's kind of a fun look at a, kind of a strange,bizarre slice of Americana.So many the products that we use everyday are,are, go back to some individual inventors,sure a lot of them come from corporate inventors,and that's a different story.But things like "WiteOut",the paper clip,the bobby pin,all those things are individual inventors.America is really about coming up with an idea,a little ingenuity,hard work,being an entrepreneur and making something wonderful out of it. It was back in 2004, this particular night.I got up to went to get a drink of water and when I came back to get in the bed,I turned and ran into the end bedpost on our bed and glided back down the bed that night. I thought, why don't I just, you know,invent some bedroom slippers that have headlights on. Got up the next morning and that's how I got started. I would hit the snooze button on the alarm clock every day for a couple hours and never be able to get myself out of bed on time.The first thing that came in, that came into my mind was to create an alarm clock that would actually run away from you.And then the idea is that you actually have to get out of bed,to look for it. And in that process, you wake up. Some of them like my book profiles are kind of, you know, silly, they're not gonna save lives necessarily,but they do represent things that people want. I need to come up with a solution to an everyday problem which is bird poop.Because I enjoy having the birds out the cage with me,and Mark got tired of seeing the poop on my back and all over the floor.We knew that the solution that we thought we've come up with for our own birds,was actually gonna have a much more mass appeal,than we originally thought.And if you come up with a talking toilet paper roll. To risk your 401(k) or your kid's college fund over a product like this, I guess it takes guts and they really are about America,they really are the spirit of America.offbeat:different from the usual; odd401(k): The 401(k) plan is a type of employer-sponsored defined contribution retirement plan under section 401(k) of the Internal Revenue Code (26 U.S.C. § 401(k)) in the ed States, and some other countries.200812/58651

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