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佛山市南海区第七人民医院男科专家龙马健康佛山新世纪男科正规吗

2019年09月19日 11:01:30    日报  参与评论()人

佛山包皮手术那个医院好佛山市顺德区均安医院看男科怎么样Should you charge friends for advice?帮朋友忙要不要收钱Are you the divorce attorney everyone calls with their marital woes? The accountant who finds that the dinner conversation inevitably turns to whether or not your friend#39;s new iPad or trip to Bermuda is tax-deductible? Maybe you#39;re the techie whose friends and parents#39; friends call repeatedly with questions about uploading photos to the cloud or sharing s online.身为离婚律师,是不是每个人都给你打电话咨询他们的婚姻危机?身为会计师,你是不是发现晚餐的谈话不可避免地转向你朋友的新款iPad平板电脑或百慕大之旅可以免税的话题?又或许,你是位技术专家,你的朋友和父母的朋友会反复打电话,询问如何上传照片到云盘或者分享在线视频?It#39;s great to be an expert in your field, and it#39;s flattering to be asked for your opinion or advice, but sometimes people cross the limits of personal and work-life boundaries. Just because Jonas Salk gave away the polio vaccine for free and Craig Newmark refuses to charge for Craigslist, you don#39;t have to be a philanthropist too. As altruistic as you may be, you don#39;t have to provide unlimited counsel to friends and family around the clock. You should be helpful when you can, but you are entitled to put meaningful limits on the pro bono advice you dish out regularly.成为你所在领域的专家感觉不错,别人征求你的意见或建议也让你颇为得意,不过有时候人们越过了个人交往和工作与生活平衡的界限。不能因为乔纳斯#8226;索尔克免费提供脊髓灰质炎疫苗,克雷格#8226;纽马克拒绝对Craigslist网站收费,你也必须当个慈善家。你也许大公无私,但是不必全天候为朋友或家人提供无穷无尽的建议。你应该在你力所能及的时候提供帮助,但是你有权为你日常提供的无偿建议加上有益的限制。When you find yourself in situations that push the envelope, determine the amount of ;free; time/energy you#39;re willing to dedicate to a friend#39;s issue and then give of yourself graciously within that time allotment. Next, give your friend or family member options of how you might continue to be helpful after their initial free pass.当你发现自己的处境超越极限的时候,那么你要在愿意致力于解决朋友的问题方面,限定“免费”的时间或精力范围,然后在时间允许的情况下慷慨地帮助对方。接下来告诉你的朋友或家人,他们在最初的免费范围以外,还可以选择哪些方式继续获得你的帮助。Friends help friends. When someone near and dear to you comes with a question, issue, or problem, be generous and share your talents or expertise freely. Agreeing to spend an hour setting up someone#39;s email, 30 minutes reviewing a resume, or an afternoon brainstorming business ideas is well within the bounds of friendly advice and familial give and take. Spending a week setting up a website, troubleshooting tech issues endlessly, or drafting, writing, and reviewing an application to law school is crossing the line.朋友总是相互帮助。如果有个非常亲密的人向你咨询某个问题或事项,你要尽量慷慨大方,免费分享你的才华和专业知识。比如,你愿意用一个小时处理某人的电子邮件,用30分钟查看一份简历,花一个下午的时间集体讨论经营理念,这些做法都在提供友好建议以及为家庭做出奉献与回报的范围内。用一个星期的时间建立一家网站,无休止地解答疑难的高科技问题,或者起草、撰写和审核一份法学院申请信,这些做法就越过了界限。Think about the amount of time or energy that fits into your schedule without undue personal sacrifice and the amount of time necessary to provide real value to the other person. As a career expert, I#39;m happy to give an hour of my time to prepare for a friend#39;s performance review, script out asking for a raise or talk through a difficult conversation with the boss. I won#39;t, however, coach you regularly or talk to your employees for free.想想你要付出多少时间和精力,既适合你的日程安排,又不用做出过分的个人牺牲,确定向他人提供真正价值所需要的时间。作为一名职业咨询专家,我很高兴抽出一个小时的时间准备朋友的业绩评估,撰写要求加薪的腹稿,详细讨论与老板的沟通不畅问题。但是,我不会定期指导你,也不会免费和你的员工交流。Just as a houseguest eventually overstays his welcome, so too do people overburden you by assuming you#39;ll continue your role as adviser, counselor, therapist, problem solver, or life coach, indefinitely. After sharing your initial thoughts or giving some meaningful advice for free, it#39;s entirely acceptable to change the dynamic.久住难为人。客人待得太久,难免遭人厌烦。人们认为你会无限期地继续扮演顾问、咨询师、治疗师、问题解决达人或生活教练的角色,最终将给你带来过于沉重的负担。分享你最初的想法、无偿提供一些有益的建议之后,改变这种状态是完全合情合理。If the advice you#39;re providing is directly related to your profession or your side hustle, then be upfront and acknowledge you#39;ll need to put together an agreement to make sure you#39;re compensated for your time and energy going forward. If the advice relates simply to a natural talent or hobby but not how you earn your keep, you#39;re still entitled to be compensated.如果你提供的建议直接关系到你的专业或者你的副业,那就坦白直言,承认你需要达成一项协议,确保你付出的时间和精力能够获得报酬。如果这些建议只是涉及你的天赋或爱好,但是并不是你的谋生之道,你也仍然有权得到补偿。Once you#39;ve established your inability to provide bottomless advice for free, you can then soften the blow. State that you#39;re willing to stay involved on a more casual level for free and serve as a background adviser. This shows you to be generous and genuine in wanting to help while at the same time protecting your professional integrity. It also gives your friend a way to save face if they never had any intention of paying you in the first place.一旦向人明确,你不能毫无限制地免费提供意见,你就可以减轻对别人的伤害。你可以表态,愿意继续以更轻松自在的方式提供免费意见,担任后备顾问的角色。一方面,这样做显示了你的慷慨大度,真心诚意地愿意帮助别人,另一方面也维护了你的职业操守。如果朋友们从来没有想过向你付钱的话,这种方式还让你的朋友保全了面子。Offering over-the-shoulder advice after the more formal ;you-should-pay-me; route communicates that there#39;s a difference between pinging you occasionally with questions and taxing you regularly with real or meaningful work that you should be compensated for.“你应该付钱给我。”经过这样的交流,以后再蜻蜓点水地继续提供建议,这样就可以传达出一个信息:偶尔麻烦你解决问题和经常让你从事原本应该得到报酬的真正或有意义的工作,两者之间是有区别的。Lastly, go ahead and recommend others who might help your friend#39;s cause. This demonstrates that you#39;re not trying to profiteer here -- you genuinely have your buddy#39;s best interest at heart. Perhaps working together formally is just too awkward or uncomfortable, perhaps you don#39;t have the time or capacity no matter the financial arrangement, or perhaps you#39;re really not the best person for the job. Whatever the case, you probably know someone who can help.最后,推荐其他可能对你朋友的事业有所帮助的人。这表明你并不想借此牟取暴利——你真诚地关心好友的核心利益。也许只是因为双方正式的合作会觉得太尴尬,或者让人感到不舒,也许你单纯只是因为没有时间或者能力解决问题,跟钱没有关系,又也许你并不是做这份工作的最好人选。无论是哪种情况,你都可能认识某个能够帮上忙的人。You owe it to yourself to not undermine the value of your time. While you#39;re happy to give and share advice when appropriate, you#39;re not in the business of being taken for a ride. Have enough self-respect and confidence to value your time and energy appropriately and help out when you can. But don#39;t feel forced to do Aunt Edna#39;s taxes year after year, write Johnny college essays, or give legal advice for free.你要努力不贬低自己的时间价值。尽管你很高兴在适当的时候做出贡献和分享建议,但是你并不愿意白白被别人利用。你有足够的自尊和信心,合理地珍惜你的时间和精力,在你力所能及的时候提供帮助。但是不要觉得自己被迫年复一年地为艾德娜阿姨报税,为约翰尼写大学论文,或者免费提供法律意见。 /201304/233517佛山市顺德区中医院有泌尿科吗 Lemon and polenta cake柠檬粟米蛋糕6oz/175g unsalted butter, softened175克无盐黄油,室温下放软8oz/225g caster sugar225克糖霜7oz/200g ground almonds200克杏仁粉3 large eggs三枚大鸡蛋Zest of 4 whole lemons and juice of 14个柠檬的皮,切碎;一个柠檬的汁4oz/115g polenta115克粟米粉/玉米粉1 tsp baking powder一茶匙泡打粉(发酵用)Pinch of salt一小辍盐* Preheat the oven to 325F/160C/gas mark 3. Line an 8; (20cm) tin with baking parchment.预热烤箱至160摄氏度,将烤箱纸铺在一个8寸的蛋糕模具上。* Put all the ingredients in a food processor and whizz to a smooth batter.将所有材料混合搅匀。* Spoon into the lined tin and bake for 45-50 minutes, until a skewer pushed into the centre comes out with no uncooked batter on it. Cool in the tin.将混合物倒入模具,烘烤45-50分钟。最后可以用叉子伸入蛋糕中间试探,如果没有湿湿的、没烤熟的部分,就好了。然后等它在模具中冷却,就可以开动啦! /201211/211628佛山哪里不育不孕医院最好

南海中医院男科挂号Dire predictions of market collapses and economic gloom in 2012 have so far proven overly pessimistic. But what should investors do to continue making money the rest of the year? 有些人曾预测2012年金融市场可能崩溃,经济前景一片黯淡,但从目前来看,这一预测过于悲观。投资者该如何去做,才能在今年余下的几个月里继续赚钱? In January, many expected Europe#39;s debt woes to sp from Greece to the rest of the euro zone, China#39;s economic growth rate to falter and the U.S. to be once again gripped by a midyear market scare, if not necessarily one triggered by a debt-ceiling debate and a debt downgrade. 2012年1月,许多人认为欧债危机会从希腊蔓延到整个欧元区,中国经济增速徘徊不前,美国股市将在年中因债务上限争论或债务降级等因素再度遭遇抛售恐慌。 Given those concerns, many investors predicted the price of U.S. Treasurys, which do well when investors are fearful, would rise and the price of stocks and other risky assets would fall. 在这种考虑下,很多投资者认为美国国债(往往在市场恐慌时表现较好)的价格会上涨,股票和其他风险资产的价格会下跌。 Treasury prices did indeed rise, while their yields, which move in the opposite direction, fell to record lows. But the Standard amp; Poor#39;s 500-stock index has gained nearly 14% so far this year, while high-yield #39;junk#39; bonds have returned nearly 10%. In fact, most major asset classes are in positive territory for the year. 国债价格确实上涨了,与国债价格反向运动的国债收益率跌至历史低位,但标普500股票指数(Standard amp; Poor#39;s 500-stock index)今年至今也已上涨近14%,高收益“垃圾债券”的回报率接近10%。事实上,今年大多数的主流资产类别都实现了正收益。 Behind the solid performance: European policy makers have been proactive in dealing with the Continent#39;s problems, the decline in China#39;s growth rate might be coming to an end, and the U.S. economy hasn#39;t slipped into a recession. 撑这些坚实投资业绩的是:欧洲政策制定者积极主动应对欧洲大陆面临的各种问题,中国的经济增长率可能止跌回升,美国也没有陷入另一次经济衰退之中。 Yet substantial uncertainties remain, ranging from the Federal Reserve decision on whether to launch another round of bond buying, China#39;s leadership transition and Europe#39;s wobbly single-currency zone. 不过,未来还有很大的不确定性,如美联储(Federal Reserve)会不会展开新一轮的国债购买行动,中国领导层的交接问题,以及欧洲摇摇欲坠的单一货币体制等。 To top it off, the U.S. elections in November could determine whether taxes rise or fall next year, and whether budget cuts will take a big chunk out of the gross domestic product. 此外,美国11月份的大选将决定明年税收政策的起伏,以及预算削减是否会给国内生产总值(GDP)带来较大的不利影响。 #39;There are a lot of stresses in the global marketplace and events that could lead to volatility,#39; says Phil Sharkey, head of investments for the New York metropolitan region at Citi Private Bank. #39;You have an opportunity to look at where your portfolio is and consider whether or not you can make some changes.#39; 花旗私人(Citi Private Bank)负责纽约大都市区域投资业务的主管菲尔#8226;沙奇(Phil Sharkey)说,“全球市场还存在很多压力,突发事件风险较大,这都可能导致市场出现波动。你现在可以审视一下自己的投资组合,看看是否有需要调整的地方。” The key for investors is to find investments that still have room to rally during the next four months, but also can weather the potential downturns. Here are six ideas, culled from interviews with money managers and other experts: 对投资者来说,最关键的是要找到一些投资品种,既能在今年未来四个月中保持上涨空间,又能抵御经济低迷的风险。《华尔街日报》采访了投资经理和其他一些专家,总结出以下六大投资思路: High-Yield Bonds 高收益债券 Yes, corporate junk bonds have rallied nearly 10% this year. And, yes, their yields have dropped to 6.87%, near their lowest level in at least 15 years. Still, the asset class offers the chance to earn solid returns for the rest of the year. 没错,企业垃圾债券今年已经上涨近10%;没错,它们的收益率已跌至6.87%,接近至少15年以来的最低点。不过,在未来数月,该资产类别仍有机会获得良好的投资收益。 Default rates are low, as the economy is doing just well enough for issuers to make their payments-and the Federal Reserve has promised to keep interest rates at rock-bottom levels. #39;You#39;re kind of in the sweet spot,#39; says Eric Stein, manager of the Eaton Vance Strategic Income fund, which had 29% of its .9 billion portfolio in high-yield investments as of June 30. 企业垃圾债券的违约率很低,因为经济运行情况尚好,发债方能按时付本息──而且美联储也已承诺继续把利率维持在极低的水平。伊顿万斯收入战略基金(Eaton Vance Strategic Income fund)的投资经理艾瑞克#8226;斯坦恩(Eric Stein)说,“目前正是天时、地利、人和。”截至2012年6月30日,该基金管理的29亿美元有29%放在高收益投资品种上。 The rally, though, has made it tougher to find value. Michael Lewitt, a portfolio manager at Cumberland Advisors, which has .1 billion under management, says that he is looking at short-term triple-C-rated bonds-those near the low end of the rating scale-that were the result of leveraged buyouts done right before the financial crisis. 不过,企业垃圾债券的整体上扬也让寻找价值洼地变得相对困难。美国坎伯兰顾问公司(Cumberland Advisors)管理着21亿美元的资产,其投资组合经理迈克尔#8226;莱维特(Michael Lewitt)说,他正在关注投资级别为CCC的短期债券──即在评级标准上接近最差等级的品种──这些债券大多是金融危机爆发前不久因杠杆收购而产生的。 The issuers might have taken on too much debt, he says, but many still have solid businesses, limiting the chance of defaults. 莱维特说,这些发债方的债务负担也许很重,但其中不少企业的经营比较稳定,从而降低了违约的可能性。 Junk-bond funds that have been among the top performers this year and during the past three years include Federated High Yield Trust, Fidelity Advisor High Income Advantage and Hotchkis amp; Wiley High Yield Fund, according to Lipper. 根据基金情报提供商理柏公司(Lipper)的数据,垃圾债券基金是过去三年及今年至今以来表现最好的基金之一,包括联邦高收益信托基金(Federated High Yield Trust)、富达顾问高收入优势基金(Fidelity Advisor High Income Advantage)和Hotchkis amp; Wiley高收益基金(Hotchkis amp; Wiley High Yield Fund)等。 Municipal Bonds 市政债券 Municipal borrowers have gotten a lot of bad press this year, with cities like Stockton and San Bernardino in California filing for bankruptcy protection, sparking fears of more to come. But so far the asset class has weathered those defaults just fine, with the Barclays Municipal Bond index returning about 5% so far this year. 今年,市政借款人的坏消息不断,加州的斯托克顿(Stockton)和圣伯纳地诺(San Bernardino)等城市申请破产保护引发了更多的恐慌。不过,该资产类别目前经受住了违约的冲击,巴克莱市政债券指数(Barclays Municipal Bond index)本年至今的回报率在5%左右。 And since the bonds are tax-free, the returns are that much more valuable than those of other fixed-income products. 由于市政债是免税的,因此其投资回报的含金量比其他固定收益产品多得多。 The recent bankruptcies #39;are very specific instances of financial trouble,#39; says Guy Benstead, a partner at Cedar Ridge Partners, which manages more than 0 million, speaking of the high-profile defaults. #39;But contagion is just not there.#39; Cedar Ridge Partners公司管理着六亿多美元的资产,其合伙人盖#8226;本斯泰德(Guy Benstead)在谈到近期这些备受瞩目的债券违约时说,“这是一些地方政府出现财政危机的具体体现,但不至于蔓延开来。” Municipal-bond yields are very attractive right now. A 30-year triple-A muni now pays 3.01%, Mr. Benstead says-1.7 percentage points more than an equivalent Treasury, once you factor in the tax break. Some states are even more generous: The average bond issued by New York state, for example, now yields 3.23%. New York is rated double-A by Samp;P. 本斯泰德说,目前市政债的收益率很有吸引力,30年期AAA级品种的利率为3.01%,把免税因素考虑在内的话,要比同期限美国国债的利率多出1.7个百分点。有些州的市政债利率更高。举例而言,纽约州发行的市政债目前平均收益率为3.23%,其在标普的投资等级为AA级。 #39;You can buy tax-free income with close to the same yield as taxable bonds,#39; Mr. Benstead says. 本斯泰德说,“免税债券的收益率已与非免税债券相差无几。” If tax rates look like they will rise in 2013, municipal bonds might get another boost. As part of President Barack Obama#39;s health-care overhaul, high-earning investors will be hit with a 3.8 percentage-point surtax on investment income next year. That makes munis, whose income isn#39;t subject to the tax, that much more attractive, says Ron Roge, chief executive of wealth manager R.W. Roge amp; Co. in Bohemia, N.Y., which oversees more than 0 million. 如果2013年的税率上升,市政债券还将再次走红。作为奥巴马总统(President Barack Obama)医疗改革方案的一部分,明年政府将对高收入投资者额外征收3.8个百分点的利得税。财富管理公司R.W. Roge amp; Co.的首席执行长罗恩#8226;罗杰(Ron Roge)说,这将使免税的市政债券变得更有吸引力。该公司位于纽约州波西米亚市(Bohemia),管理着超过两亿美元的资产。 #39;People will realize they can shelter money in muni bonds,#39; he says. #39;Demand will go up and prices will go up.#39; 罗杰说,“人们会意识到,他们可以把资金投到市政债券这个避风港上。对市政债券的需求将会加大,价格将上涨。” Investment research firm Morningstar#39;s top muni-bond mutual-fund picks include Fidelity Intermediate Municipal Income and Franklin Federal Tax-Free Income. 投资研究机构晨星公司(Morningstar)评选的最佳市政债券共同基金包括富达中级市政收入基金(Fidelity Intermediate Municipal Income)和富兰克林联邦免税收入基金(Franklin Federal Tax-Free Income)等。 Residential Mortgage-Backed Securities 住房贷款抵押债券 During the housing downturn of 2008, few assets were more unloved than so-called nonagency residential mortgage-backed securities-those backed by home loans that weren#39;t insured by Fannie Mae or Freddie Mac FMCC -23.33% . 在2008年美国住房市场陷入衰退期间,非机构担保住房贷款抵押债券(nonagency RMBS)是最不受欢迎的;也就是说,这些债券的房屋抵押物没有房利美(Fannie Mae)或房地美(Freddie Mac)提供担保。 But in these days of low yields, nonagency RMBS have suddenly become popular. The reason? Once bad loans are accounted for, their yields average about 7%, more than double the yield on a 30-year Treasury bond. 但在目前的低收益率环境下,非机构RMBS突然变得吃香起来。原因何在?因为即使把不良贷款考虑在内,这些债券的平均收益率约为7%,是30年期美国国债收益率的一倍以上。 They also are benefiting from the fact that no new securities are hitting the market while older bonds are slowly disappearing, as homeowners refinance the loans and pay down their balances, says Michael Murgio, chief investment strategist at GenSpring Family Offices, a wealth-management firm that oversees .4 billion. Genspring Family Offices是一家管理着154亿美元资产的财富管理公司,其首席投资策略师迈克尔#8226;莫奇奥(Michael Murgio)说,还有一点对这种债券是有利的,即没有新债券投放市场,老债券则随着房屋业主的贷款再融资和分期还贷在慢慢消失。 At the same time, the issues that have plagued these securities are slowly being worked out, says Tad Rivelle, chief investment officer for fixed income at asset-manager TCW Group, which oversees billion in U.S. fixed-income assets. 资产管理公司TCW Group的固定收益投资总监泰德#8226;瑞威尔(Tad Rivelle)说,与此同时,将这些债券推入深渊的种种问题正在慢慢得到解决。该公司管理着770亿美元的美国固定收益资产。 Among the positives: Mortgage servicers have been putting the infrastructure in place to deal with defaults; losses on the loans have been steady and could get smaller; and the housing market looks like it could be turning the corner. 各种利好因素包括:抵押贷款务商一直在建立机制应对违约情况;贷款损失金额比较稳定,并有可能减少;住房市场出现复苏迹象。 It is difficult and expensive for small investors to buy RMBS directly. Instead, Lou Stanasolovich of Legend Financial Advisors recommends the Angel Oak Multi-Strategy Income mutual fund, which had more than 78% of its portfolio allocated to nonagency RMBS as of the end of June, according to Morningstar. 小投资者直接购买非机构RMBS比较困难,成本也高。Legend Financial Advisors公司的卢#8226;斯塔纳索洛维奇(Lou Stanasolovich)建议买入天使橡木多元化收入(Angel Oak Multi-Strategy Income)共同基金。据晨星公司的数据,截至2012年6月底,该基金配置在非机构RMBS上的比重超过78%。 Dividend-Paying Stocks 分红股票 It is tempting to look at the high valuations attached to dividend-paying stocks and say they are overpriced. But investors should remember that the last time government-bond yields were so low was in the 1950s, says Tobias Levkovich, head of U.S. equity strategy at Citigroup. He believes dividend payers could outperform as long as interest rates stay low. 人们可能会注意到分红股票的高估值,因此认为其价格过高。然而,花旗集团(Citigroup)首席美国股票策略师托拜斯#8226;莱夫科维奇(Tobias Levkovich)说,投资者应该记住20世纪50年代美国国债收益率极低的那个时期。他认为,只要利率保持低位运行,分红股票会有更好的表现。 That is especially true if something goes wrong in Europe or elsewhere in the world, says Jim McDonald, chief investment strategist at Chicago-based private bank Northern Trust NTRS +0.13% . 芝加哥私人Northern Trust的首席投资策略师吉姆#8226;麦当劳(Jim McDonald)说,如果欧洲或其他国家爆发危机,分红股票的优势会更明显。 He is telling clients to load up on high-quality U.S. large-cap stocks, as well as on global multinational corporations that are benefiting from U.S. stability and stronger growth in emerging markets. (For more on dividend-stock strategies, see this week#39;s Upside column, page B7.) 他建议客户增持高质量的美国大市值股票,以及那些能从美国保持稳定和新兴市场增长加速中获益的全球跨国公司股票。 With the Bush-era tax cuts for dividends set to expire in 2013, Mr. Levkovich says investors should consider companies that are in a position to raise debt in order to issue special one-time payouts before year-end. In a recent report, Mr. Levkovich said companies like Freeport-McMoRan Copper amp; Gold, FCX +0.08% Marathon Oil MRO -0.95% and Best Buy BBY -0.69% could be candidates for such payouts, based on a screen that looked at debt levels and other measures. 由于小布什(Bush)执政期间的股息减税政策即将于2013年到期,莱夫科维奇建议投资者考虑持有那些有能力在今年年底发行债券用于一次性特别分红的上市公司。在最近一份研究报告中,莱夫科维奇根据对负债水平和其他一些指标的分析,推荐的是弗里波特-麦克莫兰铜金公司(Freeport-McMoRan Copper amp; Gold)、马拉松石油公司(Marathon Oil)和百思买公司(Best Buy)。 Cyclical Stocks 周期性股票 Investors looking for a riskier bet should consider stocks in more economically sensitive sectors of the market known as #39;cyclicals,#39; including tech and energy, some strategists say. Such companies could see a pop if potential economic problems are resolved. 一些策略师表示,追求高风险高收益的投资者可以考虑对经济环境更为敏感的“周期性”板块,包括高科技和能源类股票等。如果经济方面的潜在问题得以解决,这些上市公司的表现会有长足进步。 For example, cyclical stocks could benefit if U.S. economic data improve this fall after the early summer#39;s run of soft numbers, says Barry Knapp, chief equity strategist at Barclays BARC.LN +3.57% . They also could rally if the U.S. elections provide clarity on taxes and budget cuts. 巴克莱(Barclays)首席股票策略师巴里#8226;纳普(Barry Knapp)说,举例而言,如果美国的经济数据继今年夏初的疲软后有所复苏,周期性股票将获益良多。如果美国大选在税收政策和预算削减问题上扫清迷雾,这些股票也可能大涨。 A lower-risk, if more complicated, bet would be buying call options, which give investors the chance to buy an asset at a predetermined price, on industrial stocks, Mr. Knapp says. 纳普说,一个风险相对较低、但可能更为复杂的做法是买入工业类股票的看涨期权,从而让投资者能以事先确定的价格购买资产。 Cyclical stocks also have the benefit of being cheap. In the three months since the market#39;s recent low on June 12, the Samp;P 500 rallied 8.5%, but cyclicals underperformed #39;defensive#39; stocks by about 0.3%, according to Credit Suisse CSGN.VX +2.26% research. 周期性股票还有一个好处,就是便宜。据瑞士信贷集团(Credit Suisse)的数据,从2012年6月12日的市场近期低点以来,近三个月标普500指数上扬了8.5%,但周期性股票的表现落后于“防御型”股票0.3个百分点左右。 That is highly unusual: During the past 30 years, it has happened just 10 times, the last time in 2006. During six of those episodes, the markets continued to rally, with cyclical stocks taking the lead. 这十分不正常:过去30年来,这种情况只发生过10次,最近一次是在2006年。在这10次中,有六次市场继续上涨,而领军的正是周期性股票。 Energy stocks now have a 12-month forward price/earnings ratio of 11.5, compared with the Samp;P 500#39;s P/E ratio of 12.8. Industrial stocks have a P/E ratio of 12.6. 目前,能源类股票的未来12个月市盈率(P/E)为11.5,而标普500指数的市盈率为12.8,工业类股票的市盈率为12.6。 Low-cost exchange-traded funds that track cyclical stocks include the Industrial Select Sector SPDR XLI +0.49% and the Energy Select Sector SPDR XLE -0.04% . 投资者可以选择低成本的跟踪周期性股票的交易所交易基金(ETF),如Industrial Select Sector SPDR和Energy Select Sector SPDR等。 Emerging-Market Bonds 新兴市场债券 Despite the slowdown in economic growth that has hit much of the developing world, bonds issued by emerging-market nations still look attractive. Such markets used to be considered debt-laden and volatile; these days they offer cleaner balance sheets and economic growth. 虽然许多发展中国家的经济增长都出现放缓,但新兴市场国家发行的债券依然具有吸引力。以往人们认为这些国家的债务水平高,市场波动性大,但现在看来,新兴国家的资产负债表更健康,经济增长能力较强。 They also offer something you can#39;t get with most developed-market government bonds: yield. The payouts might not be astronomical, but they are much better than those offered by Treasurys, Mr. Stein says, whose .4 billion Eaton Vance Global Macro Absolute Return fund owns the bonds of Malaysia, the Philippines and Mexico. The fund has returned 2.02% so far this year and has a yield of 3.64%. 新兴市场债券还能提供绝大多数发达国家政府债券所欠缺的东西:收益率。斯坦恩说,虽然新兴市场债券的收益率不算太高,但也比美国国债好得多。他管理的64亿美元规模的伊顿万斯全球宏观绝对收益基金(Eaton Vance Global Macro Absolute Return fund)持有马来西亚、菲律宾和墨西哥的债券。该基金本年至今的投资回报率是2.02%,债券收益率为3.64%。So far this year, emerging-market bonds denominated in U.S. dollars have returned close to 12%, nearly four percentage points more than such bonds denominated in local currencies. 今年至今,以美元计价的新兴市场债券的回报率接近12%,比以当地货币计价的此类债券高出近四个百分点。 That might be about to change. David Rolley, co-head of the global fixed-income group at money manager Loomis Sayles, says local currency bonds offer more opportunity than those denominated in U.S. dollars, though investors should expect more volatile price swings. #39;Some have been very volatile,#39; he says. #39;But there#39;s better value in local currency bonds.#39; 这种情况可能即将发生变化。资产管理公司Loomis Sayles的全球固定收益联席经理戴维#8226;罗利(David Rolley)说,以当地货币计价的新兴市场债券有更大的投资机会,当然,其价格波动性可能也更大。罗利说,“有些债券波动性非常大,但更具投资价值。” /201208/197076佛山男科医院男科电话 A Life for a Life以“命”抵命The English author, Richard Savage, was once living inLondon in great poverty. In order to earn a little money he hadwritten the story of his life, but not many copies of the bookhad been sold in the shops, and Savage was living from hand tomouth. As a result of his lack of food he became very ill, but after a time, owing to the skill of the doctor who had lookedafter him, he got well again.英国作家理查德·萨维奇一度在伦敦过着贫困潦倒的生活,为了赚几个钱,他曾写了有关他自己生平的故事。但是这部书在书店里并没有卖出几本,萨维奇过着朝不保夕的日子。由于缺乏食物,他病得很厉害。后来,由于给他治疗的那个医生的高明医术,他才又恢复了健康。After a week or two the doctorsent a bill to Savage for his visits, but poor Savage hadn#39;t anymoney and couldn#39;t pay it. The doctor waited for another month and sent the bill again. But still no money came. Afterseveral weeks he sent it to him again asking for his money. Inthe end he came to Savage#39;s house and asked him for payment, saying to Savage, “You know you owe your life to me and Iexpected some gratitude from you.”过了一两个星期之后,医生给萨维奇送来了一张讨要诊费的帐单,但是贫穷的萨维奇没有钱来偿付。医生等了一个月后又送来了帐单,但仍然未索回分文。几个星期之后,他又送来帐单要钱。最后,医生本人来到了萨维奇的家中,对他说:“你明白,你是欠我一条命的,我希望你有所报答。”“I agree,” said Savage, “that I owe my life to you, and toprove to you that I am not ungrateful for your work I will givemy life to you.”“是的,”萨维奇说,“我是欠你一条命,为了向你明我对你的诊治不是不报答,我将把我的命给你。”With these words he handed to him two volumes entitled,The life of Richard Savage.说着这番话,萨维奇递给医生两卷书,名叫《理查德·萨维奇的一生》。 /201210/204783佛山男科那家医院好

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