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2018年12月20日 00:47:06来源:乐视健康

Billions of pounds have been wiped off the value of shares after recession fears sparked panic selling across the world. The experts say there is more pain to come - and everyone will eventually feel the impact of the market downturn.I have shares, should I worry?If you are still holding stocks and shares in individual companies you're either a hardy soul or have been burying your head in the sand as the markets have been jittery since the start of the year. "This is fairly late in the day - nervous investors will have aly moved into cash or safer investments," says Martin Bamford, an independent financial adviser at Informed Choices.BabyIf you do hold money in the market you need to decide if it is time to crystallise your losses, or if you have the stomach to sit tight and hope for a recovery. Parents who have invested their child trust fund (CTF) voucher in the stockmarket should not be too alarmed - there are years to go before the money can be withdrawn, or in the case of a stakeholder CTF is moved to safer investments, in which time the market could recover.I moved my money - will I be OK?It depends where and when you moved it. Money market funds, which had traditionally been seen as a safe haven for investors, have been falling too, while commodities prices have also been dropping. Property funds are doing badly and even cash accounts, which used to be regarded as the safest of safe places to put your money, have had a bad week with the collapse of Icesave. Fixed-interest securities, which traditionally do well when stock markets fall, have failed to ignite this time round, but Bamford reckons they will bounce soon. But he adds: "There is risk in every type of asset class in a recession."My pension is invested in the stock market. Should I be worried?Most people start moving money into safer investments as they near retirement, so those with pensions invested in stocks and shares should still have time on their side. However, Bamford says there will be some people approaching retirement who are still exposed to the markets. "There will be people who have been completely caught out by this," he says. "They might have to reconsider their plans for retirement - the timing and their lifestyle may have to be different."Earlier this week, Hargreaves Lansdown said the value of personal pensions had fallen by a fifth since last year. The latest wave of falls will have wiped even more off their value. However, the firm's head of pensions research, Tom McPhail, says if you have more than 10 years until retirement the best strategy "is just to ignore what is going on at the moment". He explains: "This will all have probably played out by the time you get to retirement, so you should keep paying your regular contributions to your pension."I have an occupational pension - will I be hit?You could be. If it is a defined contribution scheme, where the amount you receive when you retire depends on the performance of the assets in which it is invested, then you are in the same boat as anyone with a personal pension. If you are about to retire the company operating your work pension should have been moving your share of the money into safer assets, so you won't be hit too hard. If you have years to go before you finish work, then there is time for losses to be recovered.If you have a final salary scheme, where the amount you get is linked to your earnings, then you will be insulated from the falls in the short term, says McPhail. "In the medium term it will have an impact, though. One result that we will see is final salary schemes closing at a faster rate than at the moment."Ros Altmann, an independent pensions analyst, says most employers are likely to give up on final salary schemes: "Most of them were in deficit before the market falls, and almost all will be now." More worrying, she says, is that if your company fails and you end up having to claim your pension through the Pension Protection Fund, you will only get 90% of what you had saved.My pension has plummeted and now I have to buy an annuityUnless you have reached 75, at which point the rules say you have to use your fund to buy an annuity to provide you with an income, you might want to sit tight in case the market recovers. The sum of money you have with which to buy the annuity will determine how much you have to live on for the rest of your life, so you might want to wait to see if your fund recovers some of its value and you can buy a better income. The government is considering suspending the rules so that those who have reached 75 can also wait.However, McPhail warns: "The risk of not cashing in your investment is that there is no certainty that the market will recover soon." And while you wait for it to bounce back, annuity rates could fall. "If you are keeping your money in the market waiting for a recovery, then keep your eye on annuity rates too," he says.If you are concerned, it would be wise to take advice.I don't have shares or a pension - will I be OK?"It's easy to see it as just problems in the financial markets, but this is going to have a knock-on effect on everybody," says Bamford. "The only questions are to what extent and how long it will take to feel the impact."As the FTSE falls value is knocked off the UK's biggest companies, leaving them with less money to invest. Instead of expanding their businesses they could start reducing staff numbers, leading to redundancies.Those companies do not exist in a vacuum - they do business with other firms who will also be hit if they start to rein in their spending. Workers everywhere could eventually feel the impact of the downturn.Is there any good news?A little. The price of oil has slumped in recent weeks, which should mean cheaper petrol and could ultimately push down gas prices. Interest rates have been cut by 0.5% this week and further cuts are likely as the Bank tries to prop up the UK economy, which is good news for the third of borrowers on tracker mortgages. And while base rate cuts are usually bad news for savers, the fact that banks and building societies are seeking cash means they are still offering attractive interest rates on deposits. /200810/54039。

  • TOKYO — At age 36, Hello Kitty may be running out of product lives. 东京——今年已经36岁的HelloKitty很可能将寿终正寝。That is the fear of executives at the Sanrio Corporation, the Japanese company that created the cute, cartoonish white cat in 1974, and groomed her into a global marketing phenomenon worth billion a year. 这正是Sanrio公司的执行官们所担心的问题。这家日本公司于1974年创造了这个卡通猫,自面世以来,这个可爱的小白猫创造的巨额收益约合一年50亿美元。In Japan and around the world, Hello Kitty has been licensed over the years for products that include dolls, clothes, lunch boxes, stationery, kitchenware, a Macy’s parade balloon and even an Airbus owned by Taiwanese airline EVA Airways. But amid signs that Hello Kitty’s pop-culture appeal is waning, especially at home, where sales have shrunk for a decade, the company has struggled to find its next-generation version of adorable. 多年来,Hello Kitty的授权产品涉及公仔、装、饭盒、文具、厨具,还进入了纽约感恩节盛大游行,甚至台湾长荣航空的一辆空客上也有HelloKitty。但是Hello Kitty的受欢迎程度已经出现了下降的迹象,特别是在日本本土,10年来销量下降,使得公司必须着力于寻找新的流行卡通形象。 /201005/104082。
  • Looking forward to his coming home(一)遥望他晚归的身影 Scene One: Man has to overwork, return home late and asks her not to wait for him and have meals alone. Woman then asks him to focus on his work and waits for his return. She buys vegetables and then cook. She keeps on running to the balcony once and again to look into the distance with the concern hovering in her mind while she is cooking his favorite soup which will clear fever and moisten lung. She puts all her affectionate and passionate love in to her longing eyes. 场景一:男人告诉女人下午要加班,估计要晚点回家,让她不要等他,自己一人先吃饭。女人却让他安心工作,等他回来。下班后自己买菜做饭,一边在厨房精心熬着男人喜欢喝的清热润肺的靓汤,一边又忍不住萦绕于心头的那份牵绊,不时跑到阳台上遥望他晚归的身影,把自己对男人深切的爱、浓烈的情都融进了眼中那抹焦急的企盼中。Man: I can’t figure out, but once the tiny, slim figure comes into sight, I have the indescribable feeling when my nose becomes sore and touching. 男人:不知为什么,看到阳台上那个小小的、单薄的身影,鼻子一下就涩涩的、酸酸的,心里有种说不出来的感觉…… /200911/90454。
  • Japan's Prime Minister Shinzo Abe (front L) and first lady Akie Abe disembark from a plane at the Beijing Capital International Airport in Beijing, October 8, 2006.While nearly 80 percent of Japanese say they are patriotic, most of that majority say their country should own up to, and reflect on, its record of aggression in Asia, according to a poll published in a newspaper yesterday.The Asahi Shimbun said 78 percent of 1,805 respondents to the December 2-3 poll felt at least some degree of patriotism. The figure was slightly lower than the 80 percent recorded in a similar poll conducted in April 2005, the daily said.At the same time, 88 percent of those claiming to be patriots said Japanese must consider their country's militaristic past and brutal colonial rule in Asia, the Asahi said.The results reflect public concerns about Japanese friction with China and South Korea over their shared history, the Asahi said.Japan's relations with its Asian neighbors have often been poor because of Tokyo's lack of contrition for its aggression and harsh colonial rule in the first half of the 20th century.Repeated visits by former prime minister Junichiro Koizumi to the Yasukuni Shrine that honors war criminals from World War II have further strained those ties.The Shinzo Abe government has pursued a policy agenda aimed at bolstering Japan's international military role.However, Japan's relations with China and South Korea have improved after Abe took power in September last year. His first overseas trips as prime minister were to Beijing and Seoul and there have been several initiatives in recent months to thaw ties.昨天公布的一项调查显示,虽然80%的日本人说自己是爱国人士,但其中的大多数人认为日本应该面对历史,应对自己曾对亚洲一些国家的侵略行为进行反省。据《朝日新闻》报道,这项在12月2日和3日进行的调查共有1805人参加,调查显示,其中有78%的人认为自己至少有点爱国心,略低于2005年4月一项类似调查的80%。此外,在自认为有爱国心的受访者中,88%的人认为日本必须面对自己的军国主义历史以及曾在亚洲一些国家进行的残酷殖民统治。《朝日新闻》称,调查结果表明,日本民众对政府与中韩两国在历史问题上的分歧较为关注。20世纪上半叶,由于日本政府对其过去的侵略行为和残酷的殖民统治毫无悔意,所以日本与亚洲邻国的关系一直很差。再加上日本前首相小泉纯一郎多次参拜供奉二战战犯的靖国神社,使得日本与邻国的关系更为紧张。安倍晋三首相上任后,政府出台了一系列旨在加强日本国际军事角色的政策。然而,自安倍首相去年九月上任后,日本与中韩两国的关系有所改善。安倍首相上任后出访的第一站就是北京和首尔。此外,近几个月还出台了几项旨在“解冻”关系的新计划。 /200808/46489。
  • Russell T. LewisThe New York Times3-year return: 130%Age: 51CEO since: 1997 Lewis made major strides last year toward reinventing the Times as a national newspaper. Along with chairman Arthur Sulzberger Jr., whose family still owns a controlling interest, Lewis coordinated a billion plan that, among other things, introduced color. The two also transformed the paper into a six-section daily, opened printing plants in Washington, D.C., and Boston to improve northeastern distribution, and pushed the national edition into dozens of new markets. Revenue grew 2.5 percent to almost billion. 路易斯(Lewis)去年取得了令人瞩目的成绩,他使纽约时报重新成为全国性报纸。与主席小亚瑟?萨尔兹伯格(Arthur Sulzberger Jr.,其家族手中掌握着该报的控制权)一起,路易斯协调了一项10亿美元的计划用于引进色印刷及其它许多项目。另外,两个人将报纸变成了每天六部分,并在华盛顿特区和波士顿建立了印刷厂以促进西北部的发行工作,还将国内版打入了许多新市场中。其年收入增涨了2.5 %,达到近30亿美元。 Business philosophy: "The collective intellect and industry of a group yields greater results than any one individual." 生意哲学:“群体的智慧和劳动所取得的成绩永远大于任何个人。” Headaches: A slowdown in traditional newspaper advertising. The proliferation of media choices, especially the Internet, threaten to cannibalize both ership and prestige. 最头痛的事:传统报纸广告量下降。随着越来越多的媒体出现在人们面前,尤其是随着因特网的发展,报纸的读者群及影响面都有不同程度的下降。 True story: While on active duty as a National Guardsman delivering U.S. mail during a postal strike, he secretly gathered information for a Times story. Narrowly avoided court-martial but won a National Publishers award. 真人真事:在一次邮政大罢工中,路易斯作为一名国民警卫队士兵执行任务,负责投递邮件。他秘密地为纽约时报报道搜集信息,结果事后险些被送上军事法庭,不过却赢得了国家出版人大奖。 Management Style: "I'm more interested in making sure we have the right people in the right places than in telling people what to do." 管理风格:“我最关心的是我们是否有适合的人选处在适合的位子上,而不是不断地告诉人们应该做些什么。”Strength: Getting people with different styles, ideas, and backgrounds to cooperate. 优点:聚集了许多不同风格、拥有不同思想及背景的人在一起合作。 Weakness: Untested in standing up to the Sulzberger family during crisis or recession. 弱点:在危机或衰退中不知能否象萨尔兹伯格家族那样经受住考验。 Habits: Out the door by 6:15 a.m. Prefers face-to-face meetings to E-mail or phone calls. 习惯:每天早上六点十五分出发。与使用电子邮件或电话相比,更喜欢面对面的交流方式。Other interests: Fitness, running. Says he's a lousy golfer, but loves the game. Corporate goals. 兴趣爱好:健身,跑步。据称他的高尔夫球水平不高,但喜欢这项运动。 Increasing circulation by a quarter of a million copies daily and by 300,000 on Sunday in ten years. Opening four new printing-plant sites and increasing the number of registered users on the Times Web site from 6.2 million to 9 million by year's end. 公司目标:用十年时间使每日发行量增加二十五万份,在星期天增加三十万份。到年底新建四家印刷厂,并使在纽约时报网站上注册的用户由六百二十万增加到九百万人。 Personal goal: To protect the 150-year Times not only as a business but as an institution vital to the national conscience. 个人目标:保护具有一百五十年历史的纽约时报,不仅把它作为一个生意,而且作为全国公民真善美的家园。 Financial reward: 1998 salary of 3,100. Bonus of 0,000. 经济收入:1998年年薪五十万三千一百美元,奖金五十七万美元。 /200809/47532。
  • Moms pass on experience without even tryingMothers can pass along their experiences to their children without even trying, researchers reported in a surprising study on Tuesday that showed baby mice could inherit the benefits of "education" that their mothers received before they became pregnant.The study shows that inheritance can go far beyond the classic genetic theories, researchers report in The Journal of Neuroscience.They found that young mice raised in an enriched environment -- with toys and other stimulation -- passed along the learning benefits to pups they had after they grew up.The stimulated mothers did not simply have better parenting skills, because the researchers showed pups swapped at birth still learned better if their biological mothers - but not their foster parents - had been raised with the extra toys."You inherit to some degree some aspects of your parent's experience," Larry Feig, a professor of biochemistry at Tufts University School of Medicine in Boston, said in a telephone interview."This is a protective mechanism a mother passes on to her offspring," Feig, who helped lead the study, added.Feig and colleagues raised mice, some in plain cases with wood chips and others in "enriched" cages with boxes, a running wheel, toys, and constant rearrangements of nesting material.They tested learning with an unpleasant "shock chamber" to condition the mice to be afraid.Mice born to mothers raised in the "enriched" cages learned much more quickly that the shock chamber was a scary place, Feig's team found. This was true even when the mothers did not become pregnant until weeks after they lived in the special cages. /200902/61801。
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