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六合特码:1年半从“月光”到存款5万 她是如何做到的?

2017-02-10 13:25:41 和讯理财  嘉丰瑞德

六合特码,Internetlingo,alinguisticphenomenonthatoriginatedwithyoungwebusers,hasbecomeanincreasinglyinterestingpartofonlineculture.Withthehelpofsocialmedia,onlineexpressionssuchas"prehistoricpower"(honghuangzhili),"theshipoffriendship"(youyidexiaochuan),"veterannetizen"(laosiji)and"bluethinmushroom"(lanshouxianggu,meaning"upsetandwannacry")arefrequentlyusedamongyoungChineseintheirdailyconversations.Thesephrasesarealsoincludedintheannualcyberwordslistsreleasedbyvariousorganizations.Whilemanyyoungpeoplewelcomethesechangeswithopenarms,peoplewhoconsiderittheirdutytoprotectthepurityoflanguagearealarmed.ZengJieling,amemberoftheChinesePeople'sConsultativeConferenceHumanCommittee,recentlyspokeupabouttheinternetlingo.Zengproposedtheideaofregulatinginternetlingo,particularlyvulgartermsthathavebecomepopularontheinternet,suchasgoudai,thehomophonicexpressionoftheEnglishphrase"godie"fromChinesesingerHuangZitao'sraplyrics.Theseinternetterms,accordingtoZeng,poseathreattotheChineselanguageandcoresocialistvaluesbecauseoftheirvulgarity.However,defendersofinternetlingosaytryingtokeeptheChineselanguagefrombeinginvadedbyinternetlanguageiswrong,becauselanguagesevolvewiththetimesandit'snaturalforthemtoabsorbnewelements.Theypointtoimportedelementsinlanguages,aswellastoelementsparticulartocertainperiodsinhistory,asproofthatinternetlingoisjustoneofcountlessinfluencesthatlanguagesborrowovertime.So,isinternetlingothreateningthepurityofourlanguageYesInternetlingoisabadinfluenceonproperlanguage.1.Vulgarandindecentinternetlingocancorruptyoungsters'mindsquicklybecausetheyspendsomuchtimeonlineandareeasilyinfluencedbycontentpopularontheinternet.Youngpeopleneedtobetoldthatsuchlanguageiswrongandunacceptableinreallife.2.Internetlingoalsoincludesalotofover-simplifications,becausepeoplecommunicatingonlinedon'thavetimetobringoutthefulldescriptivedepthsofthereallanguage.Youngpeople'slanguageskillswillbedamagediftheyrelytooheavilyoninternetlingo.3.Peoplebelieveimproperthingspeoplesayonlinearenowsociallyacceptable,thankstothespreadofinternetlingointhemassmediaanddailyconversation.NoInternetlingoisjustanoffshootofmodernlanguage.1.Anylanguagehasitsownobscenities.Justbecauseinternetlingocontainsvulgarities,weshouldnotseektoexcludeitfromdailyuse.Aslongaswemakeitclearwhatisacceptableandwhat'snot,internetlingocanbearefreshingadditiontoourlanguage.2.Thereisnoreal"pure"languagebecausealllanguagesconstantlyabsorbnewandforeignelements,includingwhateverisinpopularuseatthetime.Anylanguagethatrefusestoadapttothechangingtimeswillbecomeirrelevantanddie.3.Ourlanguagecannotdescribemanynewphenomenaandconcepts,especiallythoseparticulartotheinternet,withoutusinginternetlingo.GuoShuqing,chairmanoftheChinaBankingRegulatoryCommission.[Photo/VCG]China'snewlyappointedbankingregulatorvowedonThursdaytostrengthensupervisionofthelendingsector,underscoringBeijing'sdeterminationtofendofffinancialrisksandpushforwardwithreformsthisyear.GuoShuqing,makinghisfirstpublicappearanceaschairmanoftheChinaBankingRegulatoryCommission(CBRC),saidhe'sdeterminedtoremove"chaos"fromtheregulatorysystemand"safeguard"thehealthof"thecountryandthepeople"."Differentregulators,differentlaws,differentruleshavecausedsomechaos,"Guosaid.HiscommentsfollowremarksbyPresidentXiJinpingonTuesday,whotoldtoppolicymakersthatthenationmust"unswervingly"crackdownonfinancialirregularitiesandillegalbehavior,whileimprovingitsmarketsupervision.China'sregulatorsareworkingonnewrulestoreducerisksintheboomingassetmanagementindustry,Guosaid.Guosaidhewilltightensupervisionofbanks'wealthmanagementproducts(WMPs),andcurbtheexpansionofbanks'off-balancesheetbusiness.Chineseinvestors,luredbyhighyieldsandexpectationsofimplicitguaranteesbythebanksorotherfinancialinstitutions,havepouredtrillionsofyuanintolightlyregulatedWMPs,thebiggestcomponentofso-called"shadowbanking"inChina.Thevalueofbanks'outstandingWMPsiscloseto30trillionyuan($4.36trillion),accordingtoCBRCestimates.Guoalsowarnedbanksneedto"prudently"manageloanstopropertydevelopersandmortgagelending.Theleverageratioofmortgageloansisnottoohigh,butrapidmortgagegrowthisaconcern,headded.TheCBRCwillrestrictlendingthatitsuspectsisbeingusedforpropertymarketspeculation.Pricesofnewhomesjumped12.4percentlastyear,thefastestratesince2011,promptingmorethan20citiestointroducepropertycurbstocoolthemarketsinceOctober.China'sbankingassetsoverthelastfiveyearshavemorethandoubled,evenastheeconomyhasslowed,helpingtopushthevolumeofnon-performingloans(NPLs)atcommercialbanksto1.51trillionyuanbytheendoflastyear,thehighestsince2005.Whileasharplyhighernumberofdefaultsareexpectedbyanalyststhisyear,Guosaidprogressisbeingmadeinreducingheavycorporatedebtburdens.Morethan430billionyuan($62.5billion)ofdebt-to-equityswapdealshadbeensignedasofearlyFebruary,Guoadded.Separately,Chinahadestablished12,836creditorcommitteesbytheendoflastyear,tohelpmanagecreditof14.85trillionyuan,saidCBRCvicechairmanCaoYu.Creditorcommittees,ledbythebiggestcreditor,allowscreditorsanddebtorstonegotiatetheirdebtontheirown,inordertoseekbestdebtsolutionsfortroubledfirms,accordingtoCao.China'sdebttoGDPratioroseto277percentattheendof2016from254percentthepreviousyear,withanincreasingshareofnewcreditbeingusedtopaydebtservicingcosts,UBSanalystssaidinarecentnote.REUTERS较其他打印设备,激光打印机有打印速度快、成像质量高等优点;但使用成本相对高昂。经济全球化带来各种经济要素(资本、信息、资源、产品)和其他相关因素(人员、技术、思想)的跨国流动,极大地促进了世界经济的融合与快速增长。

,  我认为商家应该明码标价,让消费者明白消费。平安喜乐!感恩满足!”  印尼:苍蝇不叮无缝的蛋  在印尼多年从事旅游中介服务的王瑞在接受新华社记者的采访时表示,印尼海关的移民局官员收取小费一般会在一些细节上做文章。  百度抑郁吧吧主齐衡弈承认,这种网络群体有时也会产生负面的影响。

六合特码,当红小花和唐艺昕,都选择了用牛仔裤搭配刺绣印花平底小黑鞋。远程上会,网络议政。这里我想给大家举一个例子,去年5月份,全国政协专题调研组在延安花了8天时间,踏进窑洞,坐上炕头,走到了田间地头,对延安的产业扶贫成功经验进行深入的剖析研究。  华为和德国航空航天中心在德国慕尼黑的外场测试中针对典型的交通场景进行了模拟,全面测试了基于5G的V2N场景和V2V场景。

  今年26岁的小陶已在职场工作快3年了,在这三年间,小陶的存款从“0”变到了“5万”。虽然3年时间不短,存5万对很多人来说也不是件难事,但对小陶而言,这一过程并不容易。

  初入职场的时候,虽时常感觉到工作压力大,对老板各种不满,但毕竟有工资拿,就算和父母同住,小陶也可以不用再伸手向家里要钱买衣服、买化妆品等。每次花着自己赚来的钱,小陶都很有满足感。

  在满足感的驱使下,小陶花钱越来越不节制,还办了一张信用卡,这钱花起来就如流水般。以至于在刚工作的1年多时间里,小陶就是个完完全全的“月光族”。即便在这1年的时间里,小陶还有过加薪,但加多少她就花多少。

  直到后来有一次,小陶的朋友想叫她一起出国旅游,小陶查遍所有的银行卡,才发现根本没什么存款。别说出国游了,连近郊游都游不起。

  无奈之下,小陶只得放弃出游的机会,尽管她非常想出国看一看。

  也就是这次的错过,小陶决定要好好打理自己的财务,尽早摆脱“月光”的困境。经朋友推荐后,小陶向理财师进行咨询。

  在理财师的建议下,小陶开始了至今1年半的投资理财。在这1年半的时间里,小陶终于摆脱了“月光”,并存下5万元,而她所做的事主要是以下几件:

  1、记账并注销信用卡

  小陶理财的第一步就是记账。从咨询完理财师之后,小陶每天晚上都会对当天的支出进行梳理,并将每项支出都记在本上。虽然在本上记账麻烦,但小陶更习惯纸质记账,方便自己在旁边写写总结和批注,时刻提醒自己有哪些方面的支出需要削减。

  记账的同时,小陶还注销了信用卡。小陶表示,一有信用卡,就懒得记账,因为每月都会有账单,自己只要将总金额还掉即可,省去了计算的步骤,这样花钱就没底,更不会减少开支。

  2、强制储蓄存钱

  刚开始强制储蓄那会,小陶每月的薪资为5000元,嘉丰瑞德的理财师建议其每月强制储蓄2000元,并采用零存整取的方式,1年后取出,本息接近24200元,比活期多不少。

  而现在,小陶每月薪资有6000元,每月强制储蓄2500元,就算存半年且不计算利息,也能存下15000元。强制储蓄让小陶积累了不少存款。

  3、适当配置理财产品

  除了强制储蓄,小陶还每月进行基金定投,在理财师的建议下,小陶定投了一只指数基金,其近一年的收益率在12%以上,这也让她赚了不少钱。

  另外,小陶在第一次零存整取到期后,将这笔钱配置了JIA理财平台的产品。因为自己本来对各类投资品就不怎么熟悉,所以小陶选择了更为稳健的固定收益类产品。

  平时的零钱,小陶也是不会“放过”的,将他们都放进了余额宝中,不仅每天都能收到利息,存取也方便。

  小陶表示,其实想摆脱“月光”并不难,关键就在于下定决心坚持做,并结合多种方式共同进行,这样才能达到最佳效果。

(责任编辑:张洋 HN080)
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