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上饶中医院治疗痘坑多少钱医苑助手

2017年10月24日 08:13:34|来源:国际在线|编辑:百家信息
Winding down failing banks随风而逝的破产Armageddon delayed延迟的末日决战Throwing sand into the gears of the financial doomsday machine将沙子混入金融末日的齿轮之中“WE WILL not kick you when you are down, at least not for a couple of days”: that is the gist of a putative deal struck by 18 global banks this week, which agreed not to pull abruptly out of contracts with each other if one of them hits the buffers. As modest as that may sound, regulators see it as the foundation of a firewall to halt the sp of future financial crises.“当你快挂了的时候我们是不会欺负你的,至少最近不会”:这是处理本周十八家罢工所奉行的要旨即双方默认不要唐突的撕毁合同当一方的脚已经踏入缓冲区时。监管者将其视为阻止即将入境金融风暴的防火墙之根基。The agreement concerns derivatives, contracts whose value “derives” from the performance of an underlying asset such as a share, currency or bond. Banks use them to hedge themselves or speculate, to the chagrin of regulators who dislike how hard they are to value and how easily they can entangle financial institutions in a web of interdependency.这项协议主要把注意力放在金融衍生品以及那些那些价值取决于诸如股份、货币以及债券之类的指定资产之表现的合同上面。利用他们来对冲或者投机,而令监管机构懊恼的是不管多困难都会进行评估价值并且在相互依存的网络非常容易的就让金融机构陷入混乱。If a bank will benefit from invoking its right to demand early settlement of such contracts when a counterparty runs into trouble, it tends to do so, naturally enough. Lehman Brothers discovered this in 2008; bankruptcy lawyers are still untangling the mess. If everyone cuts and runs at once, however, the stricken party has to hand over cash when it can least afford it, deepening the crisis.如果能在合同方陷入困境有权要求对方提前结款而有所收益的话问题就能迎刃而解,并且这似乎也并非难事。雷曼兄弟在2008年发现了此种方法;但破产律师们仍在为理清这混乱局面而作努力。其实如果每个人都能做到快刀斩乱麻即陷入困境的一方在还负担的起之时就付款结算,反而会带来更沉重的危机。By contrast, a brief stay might give regulators time to right a listing bank, by forcing it to sell off still-healthy units, say. America and Europe have instituted such moratoriums since the crisis, but these do not apply to cross-border deals. Global rules which extend the principle to asset managers and others are in the pipeline.相比之下,一个简短的缓冲或许能够给监管者留出时间来通过强制他们()卖出依旧完善的那部分挽救上市。自危机以来美国以及欧洲已经创立了延期偿付的方案,但这些并不适用于跨境交易。不过全球规则已经逐渐扩展到资产管理人以及其他人之中。Banks hope their voluntary fix will assuage regulators’ concerns that many of them are still “too big to fail”. Officials are increasingly anxious to find a way to close ailing financial firms without sparking a global panic. American regulators recently sent back for revision all 11 “living wills” they have received from banks, which explain how they might be wound down in a crisis. But at least one element of such a resolution is now clearer.希望他们的自愿修复能够缓和监管者关于他们“百足之虫死而不僵”的担忧。官员们越来越焦虑希望能找到一种方法在不引起全球恐慌的情况下来关闭境况不佳的金融机构。美国监管机构最近重新修订了他们从收到的全部的十一个“生前遗嘱”,即用来解释他们将如何在危机中走向死亡。但是至少这个决议中有一个元素变得更加清晰了。译者:王若凡 译文属译生译世 /201410/338528The best and worst states for small business小本生意的旺市与淡市Red tape blues繁文缛节让人忧郁Small businesses fret less about taxes than over-regulation小本生意担心监管过度问题多过税收IAN TONER, an architect in Philadelphia, recently went to city offices for a permit to build a stoop for a clients home. The city, he learned, had just imposed new requirements:he would have to get maps from gas, electric, water and other utilities to ensure the stoop would not disturb their underground lines and then resubmit his application. A process he thought would take a day took more than two weeks.最近,费城建筑师伊恩·托纳前往市政府办公室为其客户获得房屋门廊建设许可。伊恩了解到,费城刚刚颁布了新的要求:申请者得提交天然气、电气、水气等公司的地图,确保门廊不会影响地下线,然后重新提交申请。他原本以为这个过程只需花费一天,而事实上却花了大概两个礼拜。Thats not all. Other new rules require that he prove that his builder has general liability, workerscompensation and car insurance, and has paid all his taxes. Four times a year he must set aside a half day to ensure he is paying the states and citys myriad taxes correctly. Mr Toner doesnt question the need for rules and taxes; what galls him is the time and hassle involved in complying with them. “The information exists all over the place and the burden is on me not just to gather it but interpret it. Im not going to leave here because of this, but theyre all things that could turn a person off of coming here.”这还不是全部的。其他新的条例要求,申请者还要明建筑工人享有责任保险、劳工补偿以及汽车保险,并且全部交过税。一年四次,他得留出半天时间来确保他准确付了州政府以及市政度各种繁杂的税。托纳先生并不是在纠结这些条例和税收的必要性;让他觉得受到羞辱的是遵守背后所花费的时间与麻烦。“信息随处可见,我所承受的压力不仅仅是去收集这些信息,更多的是去解释。我不打算因为这个就离开,但是那些却是阻碍人们来此的力量。”Americas states and cities have traditionally tried to attract businesses by offering them tax breaks and other cash incentives. Yet there may be a more effective way, and one which puts no strain on stretched budgets: make life simpler.沿袭传统,美国的州和城市通过税收减免政策和其他的现金奖励措施来尽量吸引招商。但是,或许还有另外一种更有效的方法,不对紧张的预算施压,即生活更简单。Thumbtack, a website that matches customers to businesses, and the Kauffman Foundation, a think-tank, asks thousands of small businesses annually about local requirements for hiring, regulations, zoning, licences, health insurance and training. They have enough data to compile (somewhat subjective) “business climate” grades for 38 states and 82 cities.美国一家本地务网上交易市场—Thumbtack(图钉),以及发挥智囊团作用的考夫曼基金会每年会向成百上千小本生意打听情况,询问当地对于招聘、规章制度、分区制、健康保险以及上岗培训的一些要求。他们有足够的数据对美国38个州以及82个城市编译“商业环境”(有点主观)。One surprising finding is how little local tax rates matter. Nearly two-thirds of respondents say they pay their “fair share” of taxes, which the survey-takers reckon means they dont feel over- or undertaxed. But many complain about the difficulty of complying with complex regulations: this was a strong predictor of how small businesses rank their states.令人吃惊的是,当地税收无关痛痒。近六成受访者称,他们付问卷者认为的不高也不低的税收。但是许多人抱怨遵循复杂法规的难处:这是一个很强烈地预兆,表明了小本生意如何去评价他们所在的州。To be sure, low-tax states such as Texas generally score well, while high-tax states such as California and Illinois flunk their tests. This may be because the kind of politicians who like high taxes also like bossing people around. But not always. Minnesota, a high-tax state, earns a respectable “B” for business climate, partly because it is easy to start a business there. Washington and Florida, both low-tax states, earn a “C” and a “C+”. Entrepreneurs fault Washingtons harsh zoning laws and gripe that in Florida new firms must jump through hoops like dolphins at SeaWorld.可以肯定的是,像德克萨斯州这样低税收的地方通常排名靠前,评价高;相比而言,想加州和伊利诺斯州这样高税收的却未能得民心。或许是因为喜欢高税收的政治家们很喜欢发号施令。但也有的特例,比如,明尼苏达州税收高,却赢得了一个令人尊敬的“B”级商业环境等级;可能是因为这里创业很容易。像华盛顿和佛罗里达这样低税收的,却分别得了一个“C”和一个“C+”。企业家把责任归咎于华盛顿苛刻的分区制,还抱怨佛罗里达州的新公司就像海洋世界里海豚跳铁圈一样。The lesson for politicians is: “no matter what else you do, make things easy,” says Jon Lieber of Thumbtack. “This may seem obvious but a lot of governments dont do it right. Dont require a plumber to spend two days at city hall pulling permits when he could be doing jobs.”来自图钉的约翰·烈说,政治家得到的教训是:“不管你做了什么,简化它们。”他继续说,“这看起来显而易见,但很多政府官员却无法做到。不要指望水管工会花两天的时间在市政厅请求许可,特别是在他们还可以做别的事的时候。”Too often, state websites are confusing and bureaucrats unhelpful. Dennis Kessler, an accountant in New Jersey, says he usually cant get through on the telephone to the relevant department. When he does, the information is often misleading or incomplete. He recently spent 30 hours trying to help a client change its corporate status without getting a different federal tax-identification number—only to discover that this is impossible.州政府网站时常让人费解,而且官僚们常常无所用处。新泽西的会计丹尼斯认为,通常,他无法打通相关部门的电话。当他打通的时候,回馈的信息往往是让人误解的或者不完整。最近,他花了30个小时帮助一名客户在未获得不同的联邦纳税人识别号的情况下去改变法人地位,但最后他发现一切都是徒劳的。Licensing rules are a headache. In theory, they protect the public from incompetence, which is useful if you are hiring a doctor. But increasingly they protect incumbents from competition—the requirement to have a licence raises an occupations wages by 18%, according to Morris Kleiner and Alan Krueger, two economists. In the 1950s less than 5% of workers required state licences; now 35% do.许可管理是一件很头痛的事。经济学家莫里斯和奥兰认为,理论上讲,这些制度保障了大众,特别是当你雇佣了一名医生,它们可以避免无能医生。渐渐地,这些制度保护现任者不受竞争力的影响;即对执照的要求使得工资上涨18个百分点。在20世纪50年代,不到5%的工人需要明,现在增加到35%。Some make no sense. Celeste Kelly, a horse lover, began offering horse massage, a subject she had studied privately, in 2006; she charges per session. In 2012 the Arizona State Veterinary Medical Examining Board ordered her to “cease and desist” or face heavy fines and possible criminal charges. According to the Institute for Justice (IJ), a libertarian law firm which is suing the board on her behalf, Arizona does not require vets to learn massage, and Ms Kelly may offer it for free; she simply cant charge for it unless shes a vet. “Veterinarians I know think its ridiculous,” she complains. “Its their political arm that has crafted legislation to be self-protective.”一些制度纯属无稽之谈。骑马爱好者克莱斯特·凯里开始提供为马的务,这项务是她于2006年个人研究的;一次55美元。2012年,亚利桑那州兽医医学研究委员会要求凯里停止这项务,否则将面临高价罚款以及牢狱之灾。据司法部部门,一家持自由论的律师事务所帮助凯里控告该委员会,亚利桑那州并没有要求兽医要学,而且凯里也可能会免费提供该务;除非她是兽医,不然她不能收费。凯里抱怨道,“我所认识的兽医觉得这很荒唐。这是他们获得自保的政治手段。”State licensing regimes vary widely. Louisiana requires licences for 70% of low-wage occupations, according to IJ, including barber, bartender and cosmetologist. In Wyoming, it is a more modest 24%. In Hawaii, licences require an average of 724 days of experience and education; in Pennsylvania, 113. Enforcement is uneven, too.许可体制变化莫测。依据司法部门,路易斯安那州要求包括理发师、酒保以及美容师在内的占70%的低收入职业持有许可明。在怀俄明州,该比例较少,为24%。在夏威夷州,执照获得的资格要求是工作经历加教育经历724天;在宾夕法尼亚州,113天。执行过程更是入目不堪。Changes to regulations have little effect on economic growth in the short run—cyclical influences such as the state of the housing market or the fortunes of a particular industry (high-tech in California, oil in Texas) matter more. But in the long run, business-friendliness makes a difference: one study found that states that rank better on indices of taxes, costs and regulations enjoy stronger job growth, after filtering out the influence of industry composition and the weather. Globally, countries that rank higher in the World Banks surveys of the ease of doing business grow faster.从短期看,条规的变化对经济增长无影响,而周期性的影响因素比如房地产市场的状态或者一个特定行业的财富积累(加州的高科技,德克萨斯州的石油),却更重要。但是,从长期看,商业友好型却有不同:一项研究发现,排除行业类别组成与天气因素影响,税收、成本和监管指数排名较前的州享有更强的就业增长。全球范围内,在世界一项关于做生意的方便性的调查中,排名更靠前的过家发展更快。Lowering barriers to entry for new businesses gives consumers more choice and cheaper prices. A gourmet-food-truck fad began in Los Angeles with Korean tacos in 2008, and has thrived because the city is flexible about where such trucks can park. By contrast, Chicago forbids food trucks from operating within 200 feet of a bricks-and-mortar restaurant, and requires them to have a GPS to ensure compliance, which makes life very hard for them in the downtown business district.降低创业的门槛让消费者享有更多的选择,更实惠的价格。一股美食车潮因2美元的韩国烤肉于2008年在洛杉矶流行开来,这是因为洛杉矶这座城市随处可适应美食车。相比而言,芝加哥却禁止快餐车停留在实体餐厅的200英尺范围内,还要求他们配有GPS定位以确保他们遵守了上述条例,而这一切让市中心商业区的人们生活艰难。Businesses lobby for lots of things they should not have: handouts from the taxpayer, handicaps imposed on their rivals. But it is hard to find fault in their plea for simpler rules, swifter bureaucratic decisions, government websites that a normal person can navigate and officials who actually answer the phone.企业为了许多不属于他们的东西四处游说:纳税人的救济金,给对手造成的障碍。然而,我们很难去指责他们想要简单条例、更迅速的官僚决策、普通人可以使用的政府网站以及可以接通电话的官员。Clearing away old rules is hard. Their benefits tend to be concentrated (eg, when they protect incumbents); their costs dispersed (slightly higher prices affect all consumers, but only a little). States and cities can, however, slow the pace at which new rules proliferate, for example by estimating their economic impact before enacting them. Last year Iowas governor vetoed a bill that would have required licences for drug-abuse counsellors, and Arizona made life easier for firms operating in multiple cities with separate sales taxes by limiting them to one tax form and one audit.废除老规矩是很难的。老规矩的受益者们往往很集中(当要保护现任者的时候);所需成本分散(稍高的价钱会影响所有的消费者)。然而,州政府以及市政府却可以放慢新规则的制定速度,例如,在制定之前可以先评估其经济影响。去年爱荷华州的官员投票通过一项法案,其内容要求吸毒人员的顾问持有执照;亚利桑那州放宽对公司的要求,通过限制公司只有一个税种和一种审计,允许其在多个城市付单独的销售税。The difficulty is that many rules purport to protect the public: from shoddy services, dangerous products or even death. Even if the cost is high and the risk remote, no politician wants to be accused of compromising public safety. Last year Mike Pence, Indianas Republican governor, vetoed the licensing of diabetes educators and anaesthesiologist assistants, on the grounds the new rules would raise barriers to business and require additional bureaucracy. But a year later, he signed into law a modified version of the measure, minus the extra bureaucracy but otherwise much the same.许多条例制定出来是为了保护民众免受赝品、危险的产品以及死亡的威胁,而这恰恰也是难点。即使成本高,危险遥不可及,没有一个政客愿意因为危害公共安全而被起诉。去年,印第安纳州共和党州长麦克·彭斯投票糖尿病教育者以及麻醉学者助理的许可,理由是新的法规会给商业活动造成困难,并会增加额外的官员。但是一年以后,他签署了一份修改版的法案,减少多余的官僚机构,其他方面则一样。译者:黄柳 译文属译生译世 /201507/386068

we should done the focus group first,cause now we got thousand of this things我们售点小组应该提前行动的 因为现在我们弄了成千上万这种东西So if you wanna get any none addable on The Valentines Day products go to our website如果你想在情人节得到一些 没那么多花样产品来我们网站吧and while you there inter our new.this is amazing你来了就会有新的 这个很棒Its a new contest called Watch And Win contest is start today everyday between now and March second这是一个新游戏叫Watch And Win 从现在开始到3月2号的每天you will see a clue on the show,inter the clue on the website你都会在节目中看到一条线索 把线索输入到网站and you and three friend would win amazing africa safari,how about that你和你3个朋友会得到精的非洲游 怎么样So now I need to talk about something that happened last week那么现在我就得唠唠上周发生的事Its a matter of national important here,the first lady Michelle Obama was on the show,and yes这是国际性重要问题 第一夫人米歇尔奥巴马来我们节目了 是滴we were sitting here she is there I am here and we have a lovely conversion and suddenly我们就坐在这儿 她在那我在这 我们聊的很开心 突然我们就We found ourselves in a middle of push-up competition我们怎么就开始比拼俯卧撑了How many push-ups can you do,cause I like to do push-ups你能做多少俯卧撑 因为我爱做点俯卧撑you know I dont know,I can do some,can you我不知道呀 我能做几个 你呢I can do some,I just wonder if you can do some push-ups than I can do我也能做点 我就是在想 你能做的有我多吗It depens on how your back is,I know you got these back issues这要看你的背怎么样 我知道你的背有点问题 /201607/453291

The madness has begun: March Madness brackets are out. Lots of time and money go into those basketball pools, all a result of the national obsession with brackets.It turns out, though, that youll have a better chance of having a successful March Madness bracket by flipping a coin.Professor Dae Hee Kwak, an assistant professor of Sports Management at the University of Michigans School of Kinesiology, recently published a study in the Journal of Gambling Studies.In conducting this study, he focused on what he calls ;winning confidence.; Thats the confidence a person has when filling out a bracket.In his first study, he examined whether the act of filling out a bracket itself shores up a persons confidence. One group was given an aly-filled-out bracket, while the other was given a blank bracket to fill out themselves. Adjusting for participants prior basketball knowledge, he then asked participants to rate the likelihood that their bracket would win from 1-100%.Kwak said those who filled out their brackets were confident they would win, but it wasnt clear whether confidence had an impact on the overall result of those brackets.He conducted a second study that involved betting. As gambling literature would predict, the ;high confidence; groups bet 2.6 times more than ;low confidence; groups.However, according to the data gathered, people who reported high confidence did not outperform those with low confidence.Flipping a coinIn 2011, Kwak conducted a study to determine whether someone flipping a coin would have a better chance with the bracket than someone with expert knowledge.In 2011, not one of the top seeds made it into the Final Four.;In the same year that we conducted this study, three basketball analysts from ESPN.com, Sports Illustrated, and CBS Sports, they got their own predictions on the Final Four and only one analyst out of three got one team out of four correct,; Kwak said. ;So 11/12 teams were incorrect, but we would not argue that those analysts are less knowledgeable than the basketball average fans.;;I think it depends on how many upsets we have, but thats something that we cant really predict in advance.;-Lindsey Scullen, Michigan Radio Newsroom201503/364559

Raine Island has the biggest concentration of wildlife on the Barrier Reef, but many of its animals are visitors and at departure time they leave behind the sanctuary of one of the worlds largest marine parks.雷恩岛是大堡礁上最大野生动物集中区,但是许多动物都是访客,在离别时刻它们要离开,这个世界上最大的海洋公园之一的避难所。The migrants cross international borders travelling to places where animals are not protected.候鸟穿过国境线,飞到保护区之外。It means their survival is linked very much to events in other parts of the world.这意味着它们的生存与世界其他部分的状况,紧密相连。The Great Barrier Reef is still an amazing place.大堡礁仍然是一个令人惊异的地方。Its a magical, underwater world, stunningly beautiful and a never-ending source of wonder.这是一个不可思议的水下世界,美丽的让人目瞪口呆,一个永无止境的奇观。But how will it be when our turtles return?但是当海龟回来说它又会变成什么样子?The reef has proved to be resilient in the past,surviving great natural changes.珊瑚礁被明过去有自我恢复能力,从而能够在自然界的变化中生存下去。But nothing like the pace of man-made change today,especially the pace of climate change.但是这个变化不像今天人类产生的环境变化速度之快,尤其是气候变化的速度。Weve seen how the Great Barrier Reef is connected to the rest of the world, in many ways.我们已经看到大堡礁很多方面,跟世界其他地方紧密相连。It means were all, no matter how remote, involved in its future.它意味着无论我们有多遥远,都与大堡礁的未来息息相关。Now, only we can decide what that future will be.现在只有我们能够决定大堡礁的未来是什么样子。Whether it remains the glorious marine spectacle of today,one of the richest and most diverse of all environments and the largest biological structure on the planet or whether it become something much poorer.或者保持它今天这样的美丽海洋景观,这个地球上最富饶最多变的环境之一,也是地球上最大的生物组织,或者变成贫瘠的东西。Its a future that is entirely in our hands.它的未来完全掌握在我们手中。 译文属201512/416055

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