约定日有效是指委托人与证券经营机构约定，从委托之时起到约定的营业日证券交易所营业终了之时止的时间内有效。
A type of investment plan, often sold to military personnel, that allows an investor to accumulate shares of a mutual fund indirectly by contributing a small, fixed sum over a period of usually 10, 15, or 25 years. In exchange for these payments, the investor owns an interest in a plan trust, which invests in a mutual fund. The plan trust's sponsor makes money by charging a "creation and sales charge", also known as a "front-end load", to investors. This sales charge is as high as 50% of the first 12 months' worth of payments, making periodic payment plans a potentially expensive investment option, especially for investors who do not remain invested for the full length of the plan. Most periodic payment plans also have an annual fee and small monthly custodial fees. As a result of these fees, investors may be able to get a better deal by purchasing mutual fund shares directly. While the low required monthly contribution may be a selling point of a periodic payment plan, some brokerage companies, whose fees may be lower than that of a periodic payment plan, will allow investors to make small monthly investments and avoid large minimum investments if they establish automatic deposits. Also known as a "contractual plan" or "systematic investment plan".
The process of forming and relating ideas. Ideation means to conceive or generate an idea and implement it. Ideas are the result of mental activity that can be based on past or present knowledge, thoughts, opinions, convictions or principles. Ideation means to conceptualize an idea. It is the thought processes involved in apprehending and expressing a new concept, often in a graphical format.
什么是货币存量 货币存量是指一个国家或地区在某一个时点上，所有经济主体持有的现金和存款货币的总量。它强调的是某一个时点，通常将货币供应量视为货币存量的概念． 目录 1货币存量的内容 2参考文献 货币存量的内容 在世界各国，货币存量习惯上都包括以下两个部分： (1)货币发行净额，是指一国货币发行机构发行的纸币与铸币减去未在社会上流通的部分。 (2)存款货币净额，是指存款总额减去金融机构的同业存款、中央银行的存款及已收款入帐但尚在交换过程中的支票。 参考文献 胡健颖,侯庆国.社会总供求状态的监测、预警和调控
什么是招聘测试 在企业员工招聘过程中、招聘测试是重要的一环。 招聘测试是指在招聘过程中，运用各种科学方法和经验方法对应聘者加以客观鉴定的各种方法的总称。人与人之间是存在差异的，这种差异可以通过各种方法加以区别，这为招聘测试奠定了基础。 招聘测试的种类 企业员工招聘测试中种类很多，目前我国企业比较适用的有以下几种： 1、心理测试 心理测试是指通过一系列的心理学方法来测量被试者的智力水平和个性方面差异的一种科学方法。通过心理测试可以了解一个人所具有的潜在能力，了解一个人是否符合该企业某一岗位的需要。 2、知识考试 知识考试是指主要通过纸笔测验的形式，对被试者的知识广度、知识深度和知识结构了解的一种方法。 3、情景模拟 情景模拟是指根据被试者可能担任的职务，编制一套与该职务实际情况相似的测试项目，将被试者安排在模拟的、逼真的工作环境中。要求被试者处理可能遇见的各种问题，用多种方法来测评其心理素质、潜在能力的一系列方法。 4、面试 面试是指一类要求被试者用口头语言来回答主试者提问，以便了解被试者心理素质和潜在能力的测评方法。 招聘测试的特点 1、标准化 标准化指的是进行一项测验的条件和程序上的连贯性或一致性。每一项测验必须有自身的标准程序，而每次进行测验时必须准确地遵循这些程序。 2、常模 为了阐明心理测验的结果，必须有一种理论上可与之比较的尺度，以便把一个人的绩效与另一个相仿的人比较，这是运用测验常模来完成的。常模是在性质上与受测验的工作申请人相同的一大批人所得的分数的分布。假如某人在某项常模为80±10的测验中得分为82，则可判断该人成绩为一般水平。 某些广泛采用的心理测验有各种常模分别用于不同年龄、性别和教育水平。恰当的常模在选拔中起重要作用。 3、客观性 客观性指记录测验得分不受记分者主观判断或偏见左右，即任何人来记录测验分数都能得到同样的结果。为了对工作申请人作出公正的评价和在他们之间进行公正的比较，显然客观性测验是较为理想的。 4、可靠性 可靠性指对一项测验所产生的反应的一致性。在一项测验可以公开推广之前，必须确切地指出该测验的可靠程度。在选用一种作为选拔用人的测验时，理想的可靠性系数应该大于0.8。 5、有效性 有效性就是指实际地测量所要测量的东西，判断有效性的一个方法是把测量的得分与今后的工作绩效联系起来。 招聘测试的意义 招聘测试，有时简称测试，在员工招聘中具有重要意义。 1、挑选合格的员工，应聘者的各种条件，不一定符合招聘者的各种要求。挑选合格的员工对于建立企业文化，提高生产率，发展企业均有重要的推动作用。只有通过测试才能被挑选为合格的员工。 2、让适当的人担任适当的工作，许多应聘者来应聘多个岗位时，有时会出现“某人适合从事甲岗位而不适合从事乙岗位”的现象，只有通过测试才能了解谁担任哪个岗位最合适。 3、体现公平竞争原则。当应聘者多于招聘名额时，测试可以让最合适的人选脱颖而出，落选者也能了解自己的不足之处，相对比较心平气和地接受落选的事实。
The currency abbreviation for the São Tomé & Príncipe dobra (STD), the currency for São Tomé & Príncipe. The São Tomé & Príncipe dobra is often presented with the symbol Db, and is made up of 100 cêntimos, although inflation has made cêntimos virtually worthless. |||The dobra replaced the previous currency of São Tomé & Príncipe, the escudo, at a rate of 1:1 in 1977. At this time, coins were struck in cêntimos and lower denomination dobras (one, two and five dobra coins ). Rampant inflation made these coins obselete and in 1997, sew coins were created with higher denominations (500, 1,000 and 2,000 dobra coins) to keep up with rising prices.
An independent federal agency whose main goals are to protect consumers and to ensure a strong competitive market by enforcing a variety of consumer protection and antitrust laws. These laws guard against harmful business practices and protect the market from anti-competitive practices such as large mergers and price-fixing conspiracies. |||The Federal Trade Commission deals with complaints that are filed regarding unfair business practices such as scams, deceptive advertising and monopolistic practices. It reviews these complaints to determine if businesses are in fact engaging in harmful practices. The FTC is also responsible for reviewing mergers in the market to ensure that they do not hurt competition in the market and potentially harm consumers. Generally speaking, the FTC does not have the ability to directly enforce its rulings, but it can go to the courts to have them enforced.
目前的税款征收方式有：查帐征收、查定征收、查验征收、定期定额征收、委托代征税款、邮寄纳税等几种主要方式。 下边一并说说： 1、查定征收：指税务机关根据纳税人的从业人员、生产设备、采用原材料等因素，对其生产的应税产品查实核定产量和销售额，并据以征收税款。该方法一般适用于账册不够健全，但是能够确定原材料或进销货的纳税单位。 2、定期定额征收：指税务机关通过典型调查，逐户估计确定营业额和所得额并据以征税的方式。该方法一般适用于无完整考核依据的小型纳税单位。 3、查帐征收：指税务机关按照纳税人提供的账表所反映的经营情况，依照适用税率计算缴纳税款的方式。该方法适用于财务制度健全，能认真履行纳税义务的单位。
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