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1 in 2 Millennials turn to personal loans

2018-10-24 16:37:40 | DR REBORN抽脂

Close to half of Millennials have signed up for a personal loan, greater than any other age cohort, with cars and holidays leading the charge for funding.

New research by finder.com.au has found that 46 per cent of those aged between 24 and 38 have signed up for at least one personal loan, greater than any age cohort.

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Cars are the main reason why Generation Y have loaded up on a personal loan, with 19 per cent attributing it to financing a vehicle, while 5 per cent took up a loan for holidays.

Conversely, only 5 per cent of Millennials have taken out a loan for unforeseen expenses such as medical emergencies, car accidents and household mishaps.

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Kate Browne, personal finance expert at finder.com.au, said that while Millennials were driving borrowing, it was vital for them use loans responsibly.

“Personal loans can have a lower interest rate than credit cards and a repayment schedule means your debt comes with an end date,” said Ms Browne.

“That said, taking out a personal loan for a consumer-driven shopping spree is very different to taking out a personal loan for a renovation which will add value to your home.

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“They are entering a stage in their life they’re starting to earn more money and have to build up a credit history that appeals to lenders.”

Further, a survey of 2,011 Australian adults showed that two out of five Australians have taken out a personal loan, with 37 per cent having used a personal loan for planned purchases such as cars, holidays, renovations, education and special occasions such as weddings.

Ms Browne said the dwindling reliance on loans for emergencies may indicate we’re getting better as a nation at saving.

“Planning for the unplanned is key to ensuring a personal loan is not your only option when things go wrong,” said Ms Browne.

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“Given only a small portion of Aussies are relying on lenders for financial help when things turn pear-shaped could mean we’re getting savvier with our money.”


Infrastructure and investment have not recovered as a whole

2018-09-10 15:57:57 | DR REBORN抽脂
Ccxi credit rating co., LTD. Research institute, chief macroeconomic analyst hai-xia yuan believes that the core of the macro policy marginal adjustment, is the economy, "steady" risk "stability", that is to say, the adjustment of the macro policy belong to "change" in the stability, preset fine-tuning of macro policies to solve the risks and challenges faced by China's economic operation, not policy sharply or "flood irrigation.


Due to the central bank's open market operations, market liquidity is relatively loose. The ministry of finance promulgated the opinions on doing a good job in issuing local government special bonds, accelerating the issuance of special bonds and stimulating the "supporting role" of infrastructure investment.


Yuan haixia predicted that as fiscal policies become more active, infrastructure investment will pick up. Meanwhile, as the regulatory policy adjustment and monetary credit transmission mechanism are further improved, the tight credit situation will be eased.


"" with the pre-adjustment and fine-tuning of macro policies, the pressure on downward risks in the economic operation will be reduced, thus supporting the steady growth of the second half of the year." " Yuan haixia said.


However, yuan haixia pointed out that there is still a delay in the emergence of the policy effect, so neither infrastructure investment nor investment as a whole has recovered.


Investment rose 5.5 percent year-on-year in the january-july period, the slowest pace since data began in 1992. Among them, the growth rate of infrastructure investment (excluding electricity) hit a new low, increasing only by 5.7% year-on-year, which was also the lowest since 2014. Real estate investment than expected recovery, up 10.2% from a year earlier, despite a lower base over the same period last year, but in July 1 - real estate investment funding sources, the new construction area, sales area, indexes, such as real estate investment support factors remained, although the real estate macro policy under strict regulation marginal adjustment to the influence of the real estate co., LTD., but also benefit the real estate sector, inevitably follow-up or is still expected to maintain rapid growth in real estate investment; The rebound in manufacturing investment shows that industrial production is still somewhat supported in the short term.


Recently, a series of incidents related to local government debt have been reported in yiyang, hunan and other places, which has aroused the attention of the market on local government debt risk.


Yuan haixia said that local government debt risk is not a new problem, but the accumulation of "grey rhinos" in a long-term debt-investment driven model. Although the supervision of local government debt has been tightened this year, coupled with the tightening of liquidity, some places with high debt risks in the future should be alert to the occurrence of debt risk events.


The original address: http://news.10jqka.com.cn/20180910/c607037392.shtml

Love to carve into a wisp of warm heart

2016-01-21 14:26:21 | DR REBORN抽脂

Time flying, I write the love into the time of the cover page and carve into autumn ShuiChangTian in time, my dear, the weather is cold, please take good care of yourself, remember to have a caring heart, has been at the top of your city, never left. -- -- -- -- -- -- -- -- -- -- - by far

Stranded time, love to carve into a wisp of warm heart. Whether wind, or autumn ShuiChangTian, only willing to work with you each other to keep warm, the other. Time, always can let the heart of the drift from place to place to find love in the home. Settle the love, will be bright time polishing. Listen, the heart is no longer a desert into a messy, quiet time, glide from the shoulder.

Take the light shadow of the city, quiet flowers bloom, clouds scud across. Let the ink through the darkness before dawn, in the fine print of QingJian, quartering time fireworks, theemotions to three thousand. The prosperities, looking up at the sky at large, at the end of the world, she ends of the earth, nor space, expecting the emotion. The most is endless lovesickness, also all the way, read all the way. Thousands of mountains and waters, Wan Liyun float, affection also played havoc, chi also played havoc. You still stay in my heart, the root is buried. The world of mortals have you, silent heart, flowers bloom, autumn ShuiChangTian, pour your city a Nespresso.

In the quiet autumn day, have a happy and warm Yang, and even the occasional gust of wind, and across the cheek, leave of a cold, also can give bring a heart happy, put pen to paper to write your melancholy, flowing leaves only you are in my eyes. Autumn, is your temperament, quiet ShuiChangTian, is your elegant, red maple burning red in the day, is your passion and tori you chrysanthemum, is your beauty. You are my most the beautiful autumn thoughts. Each flower, each leaf in contain is worn my thoughts, even though they fall seasons to escape not to drop the fate, but they have to show their beauty, in every stage, all with their own unique.

Although I don't know how long I can accompany you? But my thoughts, the footsteps of the season, has been to alternately, in the spring, in all qiu li, the smell of leaves deeply miss to you, is so profound Nespresso.

Whether it is spring or autumn leaves fall, a profusion of garden flowers, is the fate of the calm. The fallen petal into the mud, fragrance unchanged. If fate really done, please do not need to retain, need not regret, sadness of the whispering without regret bleak autumn. Life it not so? Buddha said: in the life sometimes end must have, what you don't in demand. Their own fate, all is the arrangement of the heaven. Do your ability, do what you should do, is worthy of his family, is worthy of a friend, is worthy of yourself. Everyone is unique in the world, as well as the whole world, can't find two people in the same fingerprint, also can not find the two lines of the same leaf, is the same.

According to their own thinking to do things, be an upright person, as long as not contrary to conscience, harm to society, continue to keep his own personality. Love you of person, no matter how your character? Will not affect your relationship and emotion. Believe in yourself is the best, his own way, as long as the direction of, unremitting, will go to want to go to places. More time, we always complain about our time is too short, too much too late, too late to cherish, not miss, no time to say to you a sound I love you, all the emotions in the time need a right opportunity.

Time is deprived of the rights of these simple, is not the time is too short, because it is the heart of greed is too long, greed deeper thoughts. Greed deeper love, the time is really can't wait. When we put all the good, all handed over the years, will give you a long time of precipitation. Actually all my best is not yet leave, go far, because we put the side of the beautiful, as a course, so forget to cherish.

Back moments, originally, everything all too late, really only because time will never stop its steps forward. Time is fair stalwart, it won't stop, to wait for anyone, if, we are not able to cherish the time well, let the time to get away from them, we will be abandoned by time. Cherish the point, cherish this for a second, cherish the present people, learn to content is always happy Nespresso.

In the face of time, no matter when, you are my heart a shade hankage, drunk the eyes of the seasons, drunk me too, let all the good, graceful and restrained to graceful in time have a graceful demeanour. You use comely ink, inscribed in September the scenic, with the most exquisite emotions and thoughts, paint the most beautiful season in a paper fireflies. To gently shallow met doomed drunk in your city, you use deducing the elegant words like human fireworks, over you the beautiful city, there is one of your neon shade, with tender feelings of character, I in your eyes, saw the autumnal decayed.

Implicit in the autumn, in the time of fingers gently across, leaving a soft feeling, like you eyes eyes, gently beautiful. Shake the leaves, I see, can't wait the sleeve dance in the wind, dear, you now also looking at north red maple sway? As yu dafu, the autumn of the south, is different from the north, the leaves wither and fall, is to slow. Yes, the autumn here, also a little green leaves a shadow. Still wearing short sleeve during the day, the sun still warm and soft, in the autumn, also no longer lonely, not a lot of xiao suo and desolate.

Remember what you said, you already very cold, very cold, more than a month ago, I saw you wearing a red sweater, against the sunny window to a face of bright smile, that a piece of white curtain, printed on your pretty face, though, you are a girl, with a beautiful appearance, but your generous personality, like a wild man, with a bold, and you the warm love and love, let I have already can't tell, you are a male, a female.

I'm glad I, in a virtual world, a so sincere to know you, you are always happy with a sincere heart which is not one of them, sections of the sincere affection for friends. With the feelings of animals, is ultimately to heart in heart, with feeling in the mood. You use full of sincere, in the virtual net sea, like a happy fish, swimming in such a time the world can do. Is your enthusiasm, love, moved with each and every one around you, move all of our friends.

I don't know when was? You come into my world, from then on, started a distant miss. Affection in qing sail, thoughts fly in the blue sky, the fate of the met, all in each other heart blossom bright life. All the time waiting, maybe is a beautiful the fate met and continues, as our meeting, is...... the doomed, doomed to fireworks planted forever love for you, only to ignite your time Ann warm way.

The time gap, time will let us know and all meet is a good thing, whether can forever? But meet, don't regret, meet, you should cherish. If every encounter can forever in our hearts by the so beautiful, there would be no life also only if the first, what the autumn wind sad picture fan sigh with emotion. I always believe that true feelings can withstand the test of time can take away everything real and false of the people and things, also to precipitate a the most sincere emotion, never metamorphism.

Don't know when the wind outside, the sun, the plumes of the autumn wind, rubbed his cheek, filar silk cool idea, beautiful autumn static clouds. Time is relentless, feeling a lot of good things, are slowly to lose in the life, leave a bit disappointed, as the falling leaves, in fall silently, quietly falling. The weather gradually began to cool, the south of the north, you have a cold now? Dear, no matter what time, please take good care of yourself for me. Please remember there are a pair of caring eye, in the place where is far away from you, there is another, you've been longing for the town of above, have already gone with the wind filled with pious wishes to you, if you ok, I will bloom.

occasion he was perfectly

2015-12-04 14:50:33 | DR REBORN抽脂

One morning, when the prince had done his lessons, he ran out to call his friend, and they both hurried off to the lawn which was their usual playground. They took their bows out of the little hut where their toys were kept, and began to see which could shoot the highest. At last they happened to let fly their arrows both together, and when they fell to earth again the tail feather of a golden hen was found sticking in one. Now the question began to arise whose was the lucky arrow, for they were both alike, and look as closely as you would you could see no difference between them. The prince declared that the arrow was his, and the gardener's boy was quite sure it was his and on this right; but, as they could not decide the matter, they went straight to the king.

When the king had heard the story, he decided that the feather belonged to his son; but the other boy would not listen to this and claimed the feather for himself. At length the king's patience gave way, and he said angrily:

'Very well; if you are so sure that the feather is yours, yours it shall be; only you will have to seek till you find a golden hen with a feather missing from her tail. And if you fail to find her your head will be the forfeit.'

The boy had need of all his courage to listen silently to the king's words. He had no idea where the golden hen might be, or even, if he discovered that, how he was to get to her. But there was nothing for it but to do the king's bidding, and he felt that the sooner he left the palace the better. So he went home and put some food into a bag, and then set forth, hoping that some accident might show him which path to take.

After walking for several hours he met a fox, who seemed inclined to be friendly, and the boy was so glad to have anyone to talk to that he sat down and entered into conversation.


Chocolate Marble Bark

2015-09-30 12:04:19 | DR REBORN抽脂


Coworkers, bosses ― heck, we'll wager even the mailman will devour this D.I.Y. candy. Double the recipe and give it to everyone .
Level: Easy
Ingredients

12 oz. bittersweet or semisweet chocolate
3 oz. white chocolate
? c. pecans
? c. slivered almonds

Directions

Line a baking sheet with nonstick foil or parchment .
Melt dark chocolate in a microwave-safe bowl on high for 1 minute. Remove from microwave and stir. Heat 15 to 30 seconds more. Stir until smooth.
For white chocolate: In a separate bowl, melt on medium for 30 seconds. Stir and heat again for 30 seconds. Stir and repeat 2 more times, 30 seconds each, until white chocolate is smooth.
Pour dark chocolate onto prepared baking sheet sheet and spread into a 1/4-inch-thick rectangle using a metal spatula. Drop dollops of white chocolate on top of dark chocolate. Draw a skewer or a thin knife through chocolates to marble. Sprinkle with pecans and almonds.
Refrigerate 1 hour or until firm ZMOT. Peel off foil and break bark into pieces. It will keep about one month in an airtight container in the refrigerator.