The currency abbreviation for the Singapore dollar (SGD), the currency of Singapore. The Singapore dollar is made up of 100 cents and is often presented with the symbol $ or S$ to set it apart from other dollar-based currencies. In Singapore, the dollar is also known as the "Sing". |||The Singapore dollar was first issued in 1965 after the breakdown of the monetary union between Malaysia and Brunei, but has remained interchangeable with the Brunei dollar. Exchange at par with the Malaysian ringgit ended in 1973.The value of the dollar was originally pegged to the British pound (GBP) at a rate of 60:7. In the early 1970s, this peg was moved to the U.S. dollar briefly before being pegged to a hidden basket of foreign currencies between 1973 and 1985. Since 1985, Singapore has allowed its dollar to float within an undisclosed range, which is monitored by the Monetary Authority of Singapore.
由来 年清族 “节前欢喜过大年， 包里准备三五千。亲朋好友团团坐，节后回到解放前。”论坛上，这位网友的打油诗一出，众人都叹“于我心有戚戚焉”。更有网友戏谑自己过完年就变“年清族”———一年积蓄清光光。尤其赶上金融海啸，大声叫苦的人更多了。 在各大论坛上，关于过年花费的帖子成了话题焦点。“大家都来晒晒过年花几钱吧！”帖主的呼吁可谓一呼百应，众人都有一笔“辛酸账”。算算晒客们的过年清单，从交通到住宿，从红包到礼物，过个年的确会让荷包瘪一圈。 省钱经 送礼篇 用心准备实用的礼物 不少年清族都买了实用的礼物送给家人和亲朋，如保暖内衣、暖手器、按摩器、电磁茶炉、咖啡壶等实用的小礼品，既不贵、又能体现心意，受到不少顾客的喜欢。 压岁钱改成礼物 春节除了送礼，给小孩压岁钱也是必不可少的。随着压岁钱一年年“水涨船高”，今年一些人把压岁钱改成礼物，为孩子们送上一份“精神礼物”压岁。 餐饮篇 放弃下馆子 省了六七百元 为了减少支出，不少人放弃“下馆子”而在家做年夜饭，在一起动手的快乐中感受年味。 娱乐篇 上午看电影 非黄金时段唱K 年清族利用早上时段看电影，一方面多数影院在中午12时前有半价优惠；此外早上来影院的观众也比较少，免除了排队之苦。周二半价通行，选择在这一天看电影也十分划算。 唱K是不少年轻人休闲娱乐的重点项目，各家KTV的收费方式、提供的服务差异非常大。大部分的KTV在非黄金时段唱K送免费的自助餐，有的KTV则在吃自助餐的基础上可以享受几个小时的房费减免。KTV包房总的来说，白天的价格要比晚上黄金时段便宜、周一到周四的价格较周五到周日的价格便宜。 旅游篇 年清族 旅游安排“同类替代” “风光替代”成为很多时尚和成熟的旅游人群的新选择。据一家旅行社出境部经理介绍，像目前马尔代夫游，春节的6日团价格在1.5万元左右。而如果选择和它风光差不多，但不太知名的菲律宾长滩岛，6日团只需要约6000元。“同样是热带岛屿的休闲度假，价格却相差近万元。” 理财建议 长期投资 理财实际上是一个长期的生命过程，是一种生活态度和价值选择。投资理财的过程，就是生命个体把那些金融工具以及技术串联起来，参与、实践和完成自己财富不断增值的过程。在生命过程中，永远存在各种风险，我们所能做的积极防御措施就是制定合理的健康和财务规划，把风险控制到最小的可以接受的程度。 复利 所谓复利，相信人人都清楚，就是你投资的资金可以年复一年地获得利息、股息或者其他资本利得。当你将这些收益再次进行投资，还会产生额外的收益。 例如，如果你每年的投资回报率为8%，并且每年将它的收益都进行再投资，那么：在一年之后，你的总收益将是8%；在5年之后，你的累计总收益率将是47%；在10年之后，你的累计收益率为116%。 时间价值 年清族 我们很多人只知道时间可以改变一切，而不知道时间所带来的价值足以改变一个人的生活。今天投资比明天好，较早投资能够带来更多的收益。这就是“时间价值”。为此，我们不妨举例说明：许小姐和张先生算是同学。不过许小姐在25岁就开始每年投入5000元，年均回报率假设为8%，她连续投资10年后，不再继续投资，但也没有取出任何投资资金，直至60岁，许小姐投资本金总额为5万元，而60岁时复利回报总金额为496054元(投资年数为35年)。 张先生在35岁才开始投资，相比同学许小姐晚了10年，他也是每年投资5000元，年均回报率也假定为8%，其持续投资达25年，从未间断，总的本金投入为125000元，他60岁时总的复利回报又是多少呢？答案是365529元。 两相比较，许小姐只投入50000元，总投资回报金额反而比张先生多出130525元。这就是“时间价值”。怎么样不算不知道吧？ 72法则 你一定很想知道你的投资在几年之内可以增长一倍吧？有一个简单的方程式，也就是金融界常提到的“回报率72法则”。 如果你投资10000元于年均回报率为4%的国债，18年可变为20000元。18年是用以下简易公式算出来的：18=72/4。 组合 对自己的资产，通常需要进行合理的分配组合，比如将储蓄、国债、基金、保险和股票都可以纳入你的资产组合中来。并根据自己的风险偏好和投资目标在不同的投资品种之间按比例进行分配，避免风险过于集中，争取稳定可靠的投资回报。 一个完整而安全的人生应该有很好的规划，这其中最重要的是财务规划。理财师们通常认为人生至少有两个方面应予以明确：1、你希望老年以后过上什么样的生活？2、要实现这种生活需要怎么做理财方面的规划步骤。
The Employee Retirement Income Security Act of 1974 (ERISA) protects the retirement assets of Americans by implementing rules that qualified plans must follow to ensure that plan fiduciaries do not misuse plan assets. |||ERISA also: 1. Requires plans to provide participants with important information about plan features and funding. The plan must furnish some information regularly and automatically. Some of this information is available free of charge.2. Sets minimum standards for participation, vesting, benefit accrual and funding. The law defines how long a person may be required to work before becoming eligible to participate in a plan, to accumulate benefits and to have a non-forfeitable right to those benefits. The law also establishes detailed funding rules that require plan sponsors to provide adequate funding for the plan. 3. Requires accountability of plan fiduciaries. ERISA generally defines a fiduciary as anyone who exercises discretionary authority or control over a plan's management or assets, including anyone who provides investment advice to the plan. Fiduciaries who do not follow the principles of conduct may be held responsible for restoring losses to the plan. 4. Gives participants the right to sue for benefits and breaches of fiduciary duty. 5. Guarantees payment of certain benefits if a defined plan is terminated through a federally chartered corporation, known as the Pension Benefit Guaranty Corporation.6. Protects the plan from mismanagement and misuse of assets through its fiduciary provisions. This act was enacted to address irregularities in the administration of certain large pension plans - particularly the Teamsters Pension Fund, which had a rather colorful history involving questionable loans to certain Las Vegas casinos.
Any board of trade designated to trade a specific options or futures contract. Basically it's another word for "designated exchange". For example, the Chicago Mercantile Exchange is a contract market for S&P 500 Index options and futures contracts.
投资曲线心理亏损是一种财富在增长过程中突然下降造成的心理亏损感觉，或者是投资人购买了一定累计净值的投资产品，而目前所持累计净值低于当时的一种心理亏损落差，这种心理亏损是投资人享受风险收益品种的心理代价。只要产生心理亏损时不是非得赎回所购投资产品，时间足够长后，都能够回避真实的亏损。 热衷原因 投资的复利带来的人生影响比一般想象的远为巨大，使投资人甘愿承担这种心理的亏损，以期获得唯有承担这心理亏损才有可能带来的不同的财富人生。 2006年基金翻番的赚钱效应燃起了大众的热情，大批对基金了解未必深入的个人冲入基金市场，带来了基金发行的又一个黄金高峰。只要个人投资者进入这个市场，从长期看获得利益是迟早的事情。 用简单的复利来计算，如果我们29岁的1万元，以2%的存款利率增长，到我们65岁时，只会增长到2万元，而29岁的1万元，如果能够按照12%的复利增长，则会成为64万元，如果能够按16%增长，65岁成为百万富翁就是注定而容易的结果。 理性对待 投资人要理清基金投资的一些特殊性，获得真实的财富、降低投资波动对心理的冲击，减少投资失败的可能，这样会使基金投资更快的成为更多普通人的生活中的必需品。 需要认识到这种亏损是可以避免的。持续投资于整体市场，只要时间够长，都能够回避真实的亏损，获得财富的增值。只要投资人不是在真实的亏损时因为必须使用资金而赎回基金，那么这亏损也就只是一种心理亏损感受。 所谓投资理财，首先就是理清资金的时间特性，让投资的波动带给投资人以真实的财富，让亏损的感受只是停留在投资人的心理层面。只忍受心理亏损、享受财富增值，是投资理财可以带给每个投资人的好处。 数据证明 在中国市场，虽然投资人经历了满是地雷股的市场、庄家操纵的市场、对基金管理人的管理能力充满质疑的市场，到2007年3月26日，没有一只1年以上的股票类的基金净值低于1元，净值全部创出了新高。海外的数据也一样能够证明，持续投资于整体市场，只要时间够长，都能够回避真实的亏损，获得财富的增值。 参考资料[1]浙江理财网 http://www.zjol.com.cn/05money/system/2007/04/10/008322706.shtml[2] 金景网 http://www.p5w.net/fund/fxpl/200707/t1066153.htm
A restructuring strategy in which employees buy a majority stake in their own firms. This form of buyout is often done by firms looking for an alternative to a leveraged buyout. Companies being sold can be either healthy companies or ones that are in significant financial distress. |||For small firms, an employee buyout will often focus on the sale of the company's entire assets, while for larger firms, the buyout may be on a subsidiary or division of the company. The official way an employee buyout occurs is through an employee stock ownership plan (ESOP). The buyout is complete when the ESOP owns 51% or more of the company's common shares.
An excessive dependence upon a specific tool to perform all sorts of functions. The golden hammer principle states that given a specific tool to use, all of the world looks like an appropriate place to use that tool. For example, a small child that is given a hammer may regard everything around him or her as a nail. The golden hammer is also known as Maslow's Hammer or the Law of the Instrument. It was first voiced by Abraham Kaplan in 1964 and then widely disseminated in Abraham Maslow's book "The Psychology of Science" in 1966. The idea has also been attributed to Mark Twain, despite the lack of evidence to that effect. In business, it refers to an overdependence on a tried and true strategy or instrument, when another approach may be more suitable.
An investment fund that holds the objective to earn interest for shareholders while maintaining a net asset value (NAV) of $1 per share. Mutual funds, brokerage firms and banks offer these funds. Portfolios are comprised of short-term (less than one year) securities representing high-quality, liquid debt and monetary instruments. A money market fund's purpose is to provide investors with a safe place to invest easily accessible cash-equivalent assets characterized as a low-risk, low-return investment. Because of their relatively low returns, investors, such as those participating in employer-sponsored retirement plans, might not want to use money market funds as a long-term investment option.
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