Year of the Ox , and we expect

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Year of the Ox, and we expect?
Time: February 3, 2009 11:53:23
Year of the Ox in the financial network to. The Year of the Ox is bound to be a very difficult year. By the global financial crisis triggered by the economic downturn has affected the pragmatic of the real economy, stock market, property market, only municipal ... ... a pervasive climate of recession. If the crisis mean both danger, at the same time means opportunity, then ---
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financial or listen to the experts interviewed: Mr. Zhang Age: 49 Occupation: tourism practitioners mouse just past In terms of Mr. Zhang, you can use a sharp drop in more than 20% of the year; of millions of assets into the stock market is in just one year, a drastic shrinkage of more than 50%, so Mr. Zhang is also well-shares unexpected sea.
In fact, Mr. Zhang is also regarded as an old shareholders, and the end of the century, a small sign of improvement in the own company after business travel, Mr. Chang started his shares of the sea. With the constant input of funds and assets of the gradual growth in 2001, Mr. Zhang account the market value had reached 400 million yuan. However, the long bear market a few years later, made him the first time experienced the largest market value has shrunk more than 400 million yuan in the However, in 2005, thousands of points below the benchmark Shanghai Composite Index, A shares then staged a rally two years of the Jedi, all the way up to more than 6,000 index points, up a full 6 times. Mr. Zhang's account also achieved a Two-year bull market, Mr. Zhang became the main industry, listen to news, stocks, travel agents, business had become a sideline.
However, after the sudden collapse of Mr Cheung's shares allows the dormant sea-gold dream. The Shanghai Composite Index from 6000 all the way Thanks to the baptism of the bear market earlier remarks, Mr. Zhang just leave to keep some assets, but the remaining assets in the stock market giant meat grinder where the plane is to be
Fortunately, the Year of the Rat tail A shares continued to rebound, so that Mr. Zhang's stock market value rose slightly to slightly make up for some losses. With the coming Year of the Ox, Year of the Rat bear many experienced investors have expectations of a bull market can stage a comeback. Mr. Zhang is not much hope for this, However, declining interest rates, bond market bull market in the context of the hopeless situation, or realize the asset and capital markets will undoubtedly increase the value of the preferred target.
So in this Year of the Ox Chinese New Year, the year of Mr. Zhang began to seriously develop its investment in financial planning. After carefully reading the brokerage, fund investment strategy report in 2009, Mr. Zhang found that the major institutions are judged as structural Ox market prices, that stock may fluctuate little space, but the stocks will be increased differentiation. That is, the difficulty of individual stocks will be greatly enhanced, expert financial advantage will be further highlighted. Mr. Zhang in the past to beat as Zhang resolutely decided to quit to concentrate on business travel business, will be invested by the experts take care of.
Today, however, financial markets, the types of financial experts, many enough, banking, insurance, fund, trust ... ... described as dazzling. After the study, Zhang finally decided to finance and investment targeting Year of the Ox in the trust products.
Although public offering in 2008 at an average partial stock funds fell more than 50%, but a lot of securities investment trust products category has bucked the market trend. Statistics show that over the 73 year duration of the net and published monthly in the class of securities investment trust products, 5 profit, four year decline in 10%, 25 less than 30% decrease, the performance of these products Partial shares are better than last year the best-raised funds -31.61% decline. However, generally high threshold for trust products, ranging from 50 million, as many as 100-200 million, will keep out most individual investors. But Mr. Zhang's assets, the high threshold but does not constitute an obstacle to the contrary, select the type of trust products'd become a problem.
In fact, the trust products is not confined to securities investment products. In accordance with the classification of investment targets, as well as credit category, the real estate category, equity etc, its risk and return characteristics are different, Mr. Zhang consulted the relevant financial experts.
financial experts Road, securities investment trust products and categories similar to securities investment funds, influenced by the stock market, therefore, high risk, high return characteristics; and credit classes, etc. Trust shares to take a more fixed income products model, therefore, the risk is relatively low.
for different risk-return characteristics of trust products, financial experts suggest that Mr. Zhang might be gradually withdrawn from circulation the remaining stock funds invest in securities investment trust products category, while the remaining funds will invest in fixed income trust products, the realization of assets The preservation and steady appreciation.
by the end of last year the central government plans to launch 4 trillion yuan of investment, this year there will be more local governments to raise funds through the trust, to raise funds for infrastructure projects. Therefore, experts recommend Mr. Zhang trust in the fixed-income products, focusing on infrastructure projects to invest in trust products. Such products enable small and medium trust fund can also invest in large-scale low-risk rate of return higher than the average profit margin of social infrastructure projects, such as the city allowed to also share infrastructure, highways and other projects of interest. Such as the International Trust Company Limited has introduced a financial orientation to the city of Suzhou Grain and Lake City Development project loans relative to capital trust plan set, starting amount of 300 million yuan, annual rate of 8.3% fixed income, types of investment goods in the present rather attractive.
done after the financial planning, Mr Cheung did not forget to have another new look Ox --- news accounts that fund the project financial management, assets are simply putting in time to fund the investment team to take care of accounts, so that these investments to develop the elite financial planning, financial services reap their just friends.
2 expect house prices down a bit
interviewed: Yan Feng Age: 29 Occupation: Teacher to get married, so naturally the first security a Compared to Shanghai, young man, Into the marriage hall for the upcoming new Shanghai people, Shanghai is getting married a lot of new spending is not the first pen wedding, but to save work down all the savings, all to pay for the down payment to buy a house. Yan Feng and his fiancee is one of the representatives.
into the Lunar New Year, Yan Feng, will usher in 29 years birthday. The summer of 2004, Luoyang, Henan Province Yan Feng from the official graduation from a university in Shanghai, Huangpu District, successfully signed a secondary school, as a physical education teacher. Yan Feng's girlfriend is younger than him two of Shimei, Nantong, Jiangsu, now a state-owned Shanghai as administrative work. They fell in love last five years, both sides are urging parents to sons and daughters married as soon as possible. Parents are no match for the
two people get married, buy a house things naturally put on the agenda. Suzhou to Shanghai was just the work of his girlfriend, rents a room Gonghexinlu husband on a monthly rent of 750 yuan; Yan Feng rented house near the train station, the monthly rent of 800 yuan. Although the two savings, but Shanghai's housing prices so high, difficult to come down payment or high point. And it is starting from April 2007, Shanghai's housing prices began a round up of signs, housing prices rose too seeing more and more powerful, family and friends hurried to buy a house quickly, Yan Feng and his girlfriend began to anxious, hurried to join the army to go to the showings.
We have no relatives in Shanghai, there is no cheaper way to buy a house, only to buy their own newspaper, by asking students to friends, looking for you ... ... Anyway, to search for information through various channels, according to information see the house, but no less costly mistakes. With empty pockets, I just felt he kept up channeling prices, buy a house as soon as possible to reduce the purchase cost.
to purchase wedding room, Yan Feng and his girlfriend more than six months to run around every weekend in the major real estate in Shanghai, all entertainment activities take a back seat. However, more and more hot property market, house prices rising steadily, and their mood has become increasingly anxious. Can be either house does not meet the requirements, can not afford either price is too high, have come full circle after a surprise, did not find a suitable. Limited hand the money to buy things that really difficult to satisfaction.
Fortunately, housing prices in Shanghai in 2007, the pace of the second half stopped rising, and Yan Feng also adjusted the purchase strategy will be targeted for the second-hand housing. He and his girlfriend to meet all the requirements of the house. Yan Feng recalled: less depressed. Beicai the house, a good environment, and may be through mass transit, we are quite satisfied. However, when the price is about grinding for a long time,timberland roll top, plus students of the brother in the side of the output, finally scored in the budget for the house to come. Bedroom house, 76 square meters plus a 30 square meter attic, age 10 years, the total price of nearly 90 million. In order to reduce future repayment pressure, we decided to down a little more, put all his savings out, the parents took out most of their savings to help us, the last 5 percent down payment, the monthly repayment of 3,700 yuan. Said Shanghai's high prices to the country's money ring came out of their parents hard to help us save money when buying a house seems to verify this claim. He and his girlfriend for this new Shanghai people, had left the society a few years, wages in the whole social strata is relatively low, if not the support of parents, the house is definitely on the Yan Feng, a student in, there are also many people from other provinces and cities, because of the high prices and delayed purchase plans, some even so the marriage is delayed. Yan Feng said,
In the interview, many years adopted the attitude of buyers who have complained to reporters high prices, many low-income persons, in their own strength purchase was a myth.
recent months,herve leger skirts, the central bank has cut interest rates five times, from a certain extent, reduce the purchase cost of the people; in late October 2008, Shanghai launched the New Deal real estate, fourteen bailout policies introduced, which relates to tax pay, provident fund, etc., reduce the transaction burden on home buyers; 1 month, the Central for the Chinese economy's downward trend, introduced boosting domestic demand, growth, stability of the property market and real estate industry from the pillar industry It can be seen, both the central or local, are to reduce the maximum of the purchase cost of home buyers. On the other hand, the Shanghai municipal government is also promoting low-cost housing, affordable housing construction, has invested enormous human and material resources. Foreseeable future, the property market, there will be a variety of structural housing system for the selection of the different needs of home buyers. With the balance of supply and demand, and the government's macro-control, young buyers,nike acg boots 2011,
3 job to ensure nearly 100 million people in 2009, graduated from college graduates is about 611 million, combined total of about 710 million people.
for 2009 graduates, this year is undoubtedly the most difficult etc., which are highly concentrated in the 2009 this
graduates of 2009, if lucky enough, maybe the truth. But lucky or not lucky, but the external environment. The most important thing is their skill to master knowledge and skills and the ability to work, work, relationships and other aspects of improving the overall quality.
few months, Wang will graduate. Originally from Ningbo,timberland boots, Huzhou, Zhejiang, admitted to a home run three institutions, the whole family for their happy. Wang Jian is the only large family of parents admitted to undergraduate colleges of the children, although only three of the points included in the line of college that was almost twice higher than two, however, make every effort to support parents Jian undergraduate.
Wang Jian choice is one of the original --- the most popular professional Department of Journalism and Communication, now competition is fierce. However, the past few years, Wang has not been idle, but look for opportunities to broaden their horizons, improve their ability in practice. School radio stations in addition to the usual editing and camera work, summer vacation, Wang is also the television home of Huzhou internship. Last August, Wang also spent a whole month, in the Shanghai Media Group's Eastern Broadband internship.
from the second half of 2008, as the global financial crisis spreading and deepening, with people's lives are increasingly serious employment situation. The original university enrollment, the annual number of graduating college students rising, has made an increasingly competitive job market; now, and , making the job of the ring become very bleak.
for Wang Jian, now faces a variety of options: First, stay in the seat of the University --- Ningbo. As a sub-provincial city of Ningbo, in Zhejiang is an important position, also called a developed economy and prospects of the coastal cities. Belong to Ningbo and Huzhou, Zhejiang, habits, diet and other aspects of living are largely the same. Now, Wang has been living in Ningbo for nearly 4 years, has also been adapted in all respects. If you can stay in Ningbo find a suitable job, can be considered a step across. But now the employment situation is very serious, Wang threw a dozen local resumes, mostly ignored, or, occasionally, several interviews, and finally also heard from since.
second, returned to his hometown of Huzhou. Despite the overall economic level of Huzhou is, not as Ningbo. But that is in their own home, for a native of Wang Jian, the total number of connections in the local, should not be difficult to find a job. Also, work at home a few years can save a lot expenses. Because the two light meals and rental expenses, estimated in Ningbo to spend 800 yuan every month, if coupled with other expenses, at least 1,000 yuan. According to a survey, over half of this year, starting a new job starting salary of less than 1,500 yuan monthly salary, and some even lower than 1,000 yuan, more minority students are willing to find work Calculated in this case, And now is not correct popular 'employment first, then choosing' it!
Third, leave the Zhejiang to Shanghai to open a world. In the parents, They always want their children to succeed in a big city, do something incredible his career. If the job or in Huzhou, had perhaps not as directly in Huzhou university, they do not spend so much energy in the field Shanghai was chosen, mainly because of opportunities in Shanghai, wide field of view,alife parachute sneakers, to train a person. We hope that children will have better development, and now we are willing tighter day. Perhaps the last option is that all Wang Jian
For this situation, the reporter interviewed the personnel of ChinaHR Zhen Ning Zhang, Senior Consultant, he said, 'dominant strategy. Survival first, that is, first of all to ensure their access to offer, first base; Next consider how to develop better. Job of the state is heard from since, Ningbo, Huzhou job is a little grasp, and the Shanghai job is more of a dream. Practical significance from the perspective of the operation, made the first offer in Huzhou is a priority. From the long-term follow ChinaHR data, job seekers, 85% of the successful candidates to win the job mentality. Sometimes opportunity does not appear likely temporary, but if stable state of mind, success will have a turn for the better job. Wang Jian can be made in Huzhou offer, and then continue to try in Shanghai or Ningbo have no better chance. About the so-called hands, hearts do not panic, foot remote, ocean air. After all, a network of more easily in a familiar environment their career survival, job market like Shanghai, the new generation of environmental workplace for many young people, it is easy to imagine his career suffered setbacks and pressure. Many young people often can not do a contract job market cycle (eg 1 year) on the left, making their own fault occurred early career, planted for the future development of the scourge of the workplace. In addition, Wang also need to assess their own professional values ​​for the most important demands. For example, he prefers a stable if not challenging environment, we need to objectively look at and predict the requirements of different positions. Need to focus on long-term look at the issue in order to make their own choosing, the ability to make more adequate psychologically prepared to deal with. Therefore, the state also issued a series of measures to support the students employment. Not long ago, Premier Wen Jiabao said at a State Council executive meeting, work first. graduate employment; encourage and support graduates start their own businesses; the strengthening of graduate employment services; to enhance the employability of graduates and so on.
in severe social and economic environment, the state has adopted to strengthen the employment of college graduates in the seven measures, with strong practical significance. Of course, in shaping a favorable external environment, students should further examine their overall quality, adjust their mentality.
East China Normal University Career Guidance Center, Renwu Wei said: Only to calmly deal with change, set a more reasonable expectations, in order to better jobs. In addition, master professional knowledge, communication skills, improving the overall quality, but also to enhance competitiveness 'soft power' of the important performance. tricks one after another, you Changba me play, but statistically speaking, the price has not really
other hand, the central government issued a non-local government ban on unauthorized rescue, Beijing, Shanghai and other local party leaders have been more to break the silence, have issued a developers to prop up the market
long-term concern the development of real estate issues economist Lee pointed out that Real estate is futile, unless the economy continues to linger in the doldrums, do not let it rise, then to maintain high prices of real estate.
Lee developed the view that the real estate market, a number of problems accumulated over the years, he suggested, Effective way is therefore the price down, so that everyone to spend, the market can be truly stable.