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福清医院预约挂号电话多少龙山街道妇幼保健院导诊你浪费了多少上班时间?Americans who feel bored and underpaid do work hard -- at surfing the Internet and catching up on gossip, according to a survey that found U.S. workers waste about 20 percent of their working day.An online survey of 2,057 employees by online compensation company Salary.com found about six in every 10 workers admit to wasting time at work with the average employee wasting 1.7 hours of a typical 8.5 hour working day.Personal Internet use topped the list as the leading time-wasting activity according to 34 percent of respondents, with 20.3 percent then listing socializing with co-workers and 17 percent conducting personal business as taking up time.The reasons why people wasted time were varied with nearly 18 percent of respondents questioned by e-mail in June and July said boredom and not having enough to do was the main reason.The second most popular reason for wasting time was having too long hours (13.9 percent), being underpaid (11.8 percent), and a lack of challenging work (11.1 percent).While the amount of time wasted at work seems high, Bill Coleman, chief compensation officer at Salary.com. said the numbers have improved, with the amount of time wasted dropping 19 percent since Salary.com conducted its first annual survey on slacking at work in 2005. Then workers reported wasting 2.09 hours of their working day."I think (the decline) is really a result of the economy and that there's more business, more work available and less time tosit around wondering what you are going to do with your day," Coleman told reporters. 厌倦工作、又觉得薪金太低的美国人把时间都浪费到了上网和闲聊上。一项调查发现,美国人浪费了约20%的上班时间。该项由在线薪酬公司Salary.com网站开展的在线调查共有2057名雇员参与。调查发现,每10名员工中约有6人承认自己在上班时浪费了时间。在一个典型的8.5小时工作日中,一般员工会浪费1.7个小时。上网是第一大浪费上班时间的活动,有34%的受访者利用上班时间上网;20.3%的受访者在上班时与同事闲聊;17%的人处理私人事务。人们在上班时做其它事情的原因各不相同。在6月和7月的电子邮件受访者中,近18%的人称这样做的主要原因是无聊和没事可做。第二大原因是工作时间太长(13.9%);其次是薪资太低(11.8%)和工作缺乏挑战(11.1%)。尽管看起来被浪费的上班时间很多,但Salary.com网站的薪资主管比尔·柯尔曼说,从具体数字 上看,情况还是有所改观。自从2005年Salary.com网站首次开展此项一年一度的调查以来,被浪费的上班时间数下降了19%。当时员工一个工作日 浪费的时间为2.09小时。科尔曼在接受记者采访时说:“我认为这是经济发展的结果。公司业务更多、需要处理的事情更多,员工们已没有多余的时间去考虑如何打发时间了。” /200803/29231福清看男科上什么医院好 加班加点更易损害女性健康Working long hours has a greater negative impact on women than men because it makes them more likely to smoke, drink coffee and eat unhealthy food.Both sexes consume less alcohol if they spend more time working, researchers said, buttoilingextra hours makes women crave unhealthy snacks."Women who work long hours eat more high-fat and high-sugar snacks, exercise less, drink more caffeine and, if smokers, smoke more than their male colleagues," said Dr. Daryl O'Connor, a researcher at Britain's Leeds University."For men, working longer hours has no negative impact on exercise, caffeine intake or smoking," O'Connor said in a statement released by the Economic and Social Research Council, which funded his study.O'Connor's team of scientists were studying the impact of stress on eating habits. They looked at what causes stress at home and at work and how people react to it.The results show that stressful events such as making a presentation, a meeting with the boss or missing a deadline were linked to eating more between-meal snacks and fewer or smaller portions of fruits and vegetables."Stress disrupts people's normal eating habits," he said.The people who were most vulnerable were so-called emotional eaters."These individuals have higher levels of vulnerability and tend to turn to food as an escape from self-awareness," O'Connor said."When they feel anxious or emotionally aroused or negative about themselves, they try to avoid these negative feelings by turning their attention to food." 工作时间过长对于女性的消极影响要比男性大,因为这会导致女性吸烟、喝咖啡以及吃不健康的食品。据研究人员介绍,男性和女性工作的时间越长,饮酒就会越少,而长时间的工作则会让女性很想吃那些不健康的零食。英国利兹大学的研究人员达里尔·欧·科诺士说:“长时间工作的女性会吃更多高脂肪、高糖量的零食,同时,她们锻炼身体的机会减少,会喝更多含咖啡因的饮料,而且,如果她们抽烟,长时间工作会使她们的吸烟量比男同事还要多。”欧·科诺士在经济和社会研究理事会发表的一份声明中说:“对于男性来说,工作时间长则不会在锻炼身体、咖啡因摄入及吸烟方面产生不良影响。”欧·科诺士及研究小组的科学家们研究了压力对饮食习惯造成的影响。他们对家庭和工作中造成压力的因素及人们有何反应做了调查研究。结果表明,一些能给人造成压力的事件,如,做演讲、见老板或错过了某事的最后期限,会导致人们在非正餐时间吃更多的零食,而水果和蔬菜却吃得较少。他说:“压力会打乱人们正常的饮食习惯。”最易受此影响的人被称为“情绪化食者”。欧科诺士说:“这些人的心理比较脆弱,往往会用吃东西的方法来分散自己的注意力。”“当他们感到焦急、情绪激动或对自己没有信心时,他们就会把注意力转移到食物上去,以此来克消极情绪。” /200803/32258Amassing 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上迳镇治疗女性疾病多少钱

一都镇不孕不育哪家医院最好的福清第一医院能做孕检吗? 福清海口镇治疗前列腺炎多少钱

福清第一人民医院妇科是公立医院吗 GVS5_iKqghp%[08Lhk]w46N6FwhYeufeEoyKThe fiestas of San Fermin are celebrated in Irunea/Pamplona, in the region of Navarra, every year from the 6th to the 14th of July. They have become internationally known because of the running of the bulls, where the bulls are lead through the streets of the old quarter as far as the bull ring by runners.西班牙潘普洛纳奔牛节是西班牙的传统节日,在西班牙的纳瓦拉,每年的7月6日到七月14日,成千上万的游客从世界各地涌向这里,观看奔牛比赛zlU*.ku3kF,Ll。l8MVpZ(5(IG]Tz]U]Vb4L+G5EvLz7t*5@YiThe fiestas are celebrated in honor of San Fermin, patron saint of Navarra, although the religious aspect would seem to have taken on a secondary role over the last number of years. Nowadays, the fiestas are seen as a mass gathering of people from all the corners of the world and where the partying, the fun and the joy of it all are the most outstanding ingredients.西班牙奔牛节的起源是为了祭奠守护守护神纳瓦拉的神+TCJB+RtmG9gAjxx。如今看来,这个节日的宗教目的渐渐不那么重要,来自世界各地的人们在这个时间聚集到西班牙,尽情狂欢,享受这节日的精和刺激yO|mCs-g]gZqS%uM2E。tLB+InZs*dL+0!ZHX2M%)Z;~XbuNHk5V1R,G!SZR!t)[@# /201307/247843福清市医院无痛引流多少钱福清医院泌尿外科



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