房貸試算屏東小額借貸的諮詢專家房貸試算 - flowerf5m60k8 的部落格

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房貸試算屏東小額借貸的諮詢專家房貸試算

2017/01/23 10:27

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▲「網球甜心」布夏。（圖／東方IC，下同）

記者台灣銀行貸款率利最低銀行推薦林育正／綜合報導

加拿大「網球甜心」布夏(Eugenie Bouchard)自從2014年大爆發成名之後，近兩年狀況不如以往。20日在澳網女單第三輪，世界排名47的她遭到淘汰，以4:6、6:3、5:7不敵美國選手范德維奇（Coco Vandeweghe）止步32強。

布夏澳網前在雪梨女網賽發揮不錯晉級到4強，但此役6:4、3:6戰線被逼進第三盤，布夏5:6落後時，曾經40:30有機會保發將戰局延長到搶七。結果布夏連續發生2次失誤，范德維奇最後以致勝球終結比賽6:4、3:6、7:5拿下勝利。

▲范德維奇。（圖／東方IC）

布夏澳網的最佳成績，曾在2014年闖進4強，2016、2017連續兩年都止步64強。沒能拿下這場比賽，讓布夏相當失望。「感覺糟透了，我非常失望，曾經掌握那麼多次機會，尤其在第三盤，卻沒能拿下。」，布夏說，「我今天沒能發揮出最佳狀態，發生了很多非受迫性失誤，這不是我所預期的。」

布夏本次澳網戰袍設計相當能襯托她的好深ㄘ，身著短板上衣露出小蠻腰，且半透明的設計讓她小露性感。可惜這次提早淘汰，讓擁有廣大球迷的布夏無緣繼續大展身手。

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2017-01-2003:00

WARM WELCOME? Vice President Chen Chien-jen said that protesters should avoid the cold by sending representatives to Sunday’s meeting to discuss issuesBy Stacy Hsu / Staff reporterVice President Chen Chien-jen （陳建仁） yesterday unveiled details of the government’s draft pension reform plan, urging opponents to send representatives to a national affairs conference scheduled for Sunday.Speaking at an afternoon news conference at the Presidential Office, Chen said the draft was drawn up after 20 committee meetings, four regional forums and efforts to solicit opinions from all sectors of society.Chen said the draft plan aims to ensure that the nation’s various pension funds can be sustained for at least another generation, delaying estimations for bankruptcy of the Labor Insurance Fund by nine years to 2036, the public-school teachers’ pension fund by 12 years to 2043 and the Public Service Pension Fund by 14 years to 2044.“Our goal is to make sure that pension funds remain accessible generation after generation and be able to support insured people into their old age,” Chen said.Laying out several key elements of the proposed reforms, Chen said the controversy-dogged 18 percent preferential savings rate for retired public-sector employees taking monthly retirement payments would be lowered to 0 percent in three stages over six years.The saving rate is to be reduced every two years, falling to 9 percent, 6 percent and then 3 percent. It is to be 0 percent from the seventh year on.For those who take their pension as a lump sum, there are two proposed systems: Either the 9-6-3-0 process to reduce the interest rate as with monthly payments, or a separate plan of 12 percent for the first two years, 10 percent in years three and four, 8 percent in years five and six and 6 percent from year seven on.However, public servants whose monthly pension is below a specified floor — to be either NT$25,000 or NT$32,160 （US$791 or US$1,017） — are to retain the 18 percent preferential rate.Chen said that the government intends to cut the income replacement rate for public servants to “75 percent of two times a civil servant’s basic salary” and lower the rate by 1 percentage point each year until it is 60 percent of two times the basic salary.Under current pension plans, government employees receive pensions of up to 95 percent of their pre-retirement income, which is straining national coffers.To make pension funds more sustainable, the average used to determine payments is to be based on a longer timeframe. The proposal is for the average insured salary of the final 15 years of employment to be used to determine pensions, with that number to be reached by adding 12 months to the timeframe each year until the 15-year target is met.Also, the retirement age is to be increased to 65, except for professions of a special nature or those that involve dangerous activities, while the ceiling for labor insurance premiums paid by public servants, public-school teachers and private-sector workers is to be raised stepwise to 18 percent.Other highlights of the proposal include a scheme to allow employees to keep their work years when they switch jobs, including moves between the private sector and the public sector.“The money that is to be saved by lowering the income replacement rate for public servants and the cancelation of the 18 percent preferential rate will be put into the [Public Service Pension] Fund,” Chen said, adding that starting next year the government is to inject NT$20 billion into the Labor Insurance Fund annually.Minister Without Portfolio Lin Wan-i （林萬億）, who is deputy convener and executive director of the committee, said that as the nation has 13 different pension funds, the government plans two stages to reform such a complicated system.“We welcome various opinions at Sunday’s conference. They will be factored into the next stage,” Lin said.Asked to comment on a large-scale demonstration in front of the Presidential Office Building planned for Sunday by civil servants, Chen said that given falling temperatures, it would be better for opponents of the plans to send representatives to the conference, where their voices would be better heard.Additional reporting by CNA新聞來源：TAIPEI TIMES

工商時報【謝奇璋】

科技業是川普當選美國總統後唯一公開召集會晤的產業，可見美國科技產業影響力及重要性。富邦投信量化及指數投資部主管廖崇文指出，以美國科技類股為首的NASDAQ-100指數後市潛力不容小覷，惟美股創新高後震盪幅度亦隨之加大，建議在NASDAQ-100原股ETF外，配置NASDAQ-100槓桿反向ETF來增益避險。

廖崇文表示，科技業是川普當選後唯一公開召集會晤的產業，這也說明了美國科技產業之影響力及重要性，無論是民間消費、私人企業投資、就業率及薪資水準等經濟基本面，都扮演著無法被取代的角色。

廖崇文指出，NASDAQ-100指數中的權值股多屬「輕資產營運」企業，即是本身專注產品開發及行銷策略，著重品牌經營及研發，企業核心價值主要為人力資本、知識及專利等，並把產品外包生產，因為投入的固定資產及設備相對較少，因此資本需求及財務槓桿較其他企業低。比較NASDAQ-100指數、S&P 500指數、道瓊工業指數成分股的研發費用佔營收比，NASDAQ-100指數成分股近年來的平均研發費用都在6％～8％，即使歷經金融海嘯，其費用佔比仍維持6％以上。

廖崇文建議，看好新經濟前景的投資人，可採用富邦 NASDAQ（股票代號：00662）作為長期核心資產配置，搭配即將於2月8日起募集的槓桿反向型ETF-「富邦NASDAQ-100 ETF傘型基金」，可建置短期多空交易策略，做完整的新經濟布局。