Ladies, start your preparations. Prom season is here. Time to start thinking about all the fashion elements involved: dress, shoes, jewelry, hair and makeup.
1. Your prom dress should reflect your personal style, so choose a dress that makes you feel wonderful — not the one the sales associate, your mother or best friend prefers. For the best selection, shop early.2. The prom is not a music-video set or the MTV Awards. It’s a high school event. So skip the plunging neckline, bare midriff and sheer fabrics. Think classy, not trashy.
3. Looking to save money? Many consignment shops have beautiful prom dresses for a fraction of their original cost.
4. Want a one-of-a-kind dress? Check out the styles in vintage shops.
5. Many bridesmaids dresses look just like prom gowns but often don’t cost as much.
6. Short dresses usually are less expensive than long ones. They’re also more versatile.
7. Choose just one or two pieces of jewelry for maximum impact. Sure, the magazines show models dripping with jewelry, but that’s just because they want to showcase as many pieces as possible in each picture.
8. To wear something unique (and save money), borrow jewelry from someone special — your mother, grandmother, big sister or super-stylish cousin.
9. Looks count when choosing shoes, but so does comfort — especially when dancing is involved.
10. Where hair and makeup are concerned, think DIY. Instead of spending big bucks on hairstylists, nail techs and makeup artists, practice doing your own hair, nails and makeup. Or invite talented friends or relatives over on the afternoon of the prom to help get you and your girlfriends picture-perfect.

Chen Bao Cun: 3,000 yuan monthly income, can live in Beijing, very dignified
in the “Economist” of 132 cities in the world to investigate the cost of living in Paris, Tokyo, Oslo, points out the first three, Shanghai, China from 2008 rose to 40 of 45, Beijing from 2008 to upgrade the first 58 to 57. from the cost of living index of view, Beijing is still livable city.
Beijing is undoubtedly the most negative is the price, while the indigenous Beijingers, housing is not a problem, which in many data can be supported. aside housing costs aside, Beijing’s food transport is very low cost of living, entertainment, etc., especially in transportation, developed public transport system and low public transport prices would be negligible.
Beijing subway system is very developed, urban rail travel become the main tool, but the price is buy the dips, generally in the 2m3 element. bus car prices due to government subsidies, it is low amazing, can be said that these two expenses, Beijing than in any city in the country cities are much lower.
and vegetable and other food expenditures, is still maintained at a very low price. compared with the national city, no increased significantly, while the urban fringe of many vegetable greenhouse, supported Beijing’s catering expenditure stabilized at a lower level. Compared with Shanghai,cheap herve leger dresses, Beijing is very low basic living expenses.
variety of Beijing’s breakfast, donut and milk pancakes fruit, as well as Beijing featuring the breakfast, the price is not high. Beijingers early improvise a lot, unlike the Pearl River Delta as a morning tea consumption is almost negligible. white-collar lunch time is very short, then 5 to 10 Yuan’s rice bowl has become the first choice for daily lunch white-collar workers were .06 years living in Beijing, when I most often go inside the street towards the doornail meatloaf and Drum Tower Street, the donkey fire, a family of three, 20 per tube full. now can maintain this level. As 麻辣烫, spicy incense pot to Beijing girl guy’s appetite, control 30 to 40 yuan one or two couples can enjoy.
living costs, Beijing also not very high. suburban railway along parts of the rental cost is still an acceptable price. try to check the extension of metro Batong Tongzhou District, the current Two Bedroom, rental price from 1500 to 2000 is not rare. in the expenditures of both husband and wife, 1500m2000 per resident cost of only 6,000 yuan for 25% m33%.
say that dress. If it is not insisted Armani, streets of shops, will be good girl and guy dressed children in Beijing is very fashionable dress, ask the price of clothing? 3 50 yuan a. basic necessities of clothing, is very small expenditure, even, and 90 compared to the more clothing expenditures accounted to lower.
it together, and in the first-tier cities like Beijing, to maintain a dignified standard of living,herve leger dress, income is still quite good in January 3000. Of course, this level of monthly income, after our friends in the 80 large , is unconvinced. monthly income will enrich the experience with, and has been greatly improved. I have several children and colleagues, for 200 yuan per capita consumption of every meal, or dare to accept it. so their mouths often mention is South Beauty, a half a month before the South Beauty fortunate to enjoy the service. I did feel, or spicy incense pot on my appetite.
a dignified life, is the basic necessities of adequate. However, as a rich man’s paradise in Beijing, should not compare with the wind. high consumption is right after the rich people. So, the dignity of our roots is a reasonable consumer.
course in addition to spending many, such as early childhood education, medical care, the elderly spending, with the security system of gradual improvement, the reduction in Beijing would do the most public spending in these areas 支出.
ranking of Beijing life Chengben index also shows that Beijing has gradually leap to the middle the ranks of wealthy cities. fast growing local economy, raise income levels is a natural formation. available information indicates that: Beijing Statistics Bureau, National Bureau of Statistics “Beijing 2008 National Economic and Social Development Statistics Bulletin,” Statistics Beijing 2008 per capita disposable income of urban residents reached 24,725 yuan, rural per capita net income of 10,747 yuan per capita of urban residents living in Beijing .2008 spending 16,460 yuan, the Beijing rural per capita consumption expenditure was 7,656 yuan, workers in Beijing 2008 The average wage of 44,715 yuan.
2010 the disposable income of urban residents in Beijing is expected to grow 6%, ie, the annual per capita disposable income reached 28,herve leger on sale,342.28 yuan. then the per capita average annual wage is far more than 36,000 yuan, in Beijing, maintain dignity of life is not difficult to the.
addition to the national large and medium cities, Shanghai is undoubtedly the highest, while the lowest are many, such as Shijiazhuang and Wuhan, Chengdu, Tianjin, the city’s basic necessities, especially food context, are very low. The level of public transport is almost the same in all cities, living in several cities has never been the problem, especially rehabilitation and rebuilding of old housing Villages major cities, the living standards of indigenous situation Beijing Guangzhou Shenzhen and Shanghai-Hangzhou high that can not be compared. So, indigenous peoples, many housing for rent, wage income than is generally great.
after 30 years of reform and development of the accumulation of improved living standards , expressed in the necessities of a comprehensive upgrade, this is a life with dignity are the essential requirements. and a dignified life for the vast majority of people now no longer a problem. But, after all, not across the board, so the gap to gradually reduce the whole of society must work hard for.
to maintain the city’s real life with dignity is not difficult. to move forward, not to compare with each other, not hatred of the rich but to learn how to reach wealthy people and this is the attitude we should have. is beyond, not envy, it is necessary to maintain the dignity of the elements of life. abandon emotional expression, to career and family first, it is healthy to live in dignity.
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Today, the mobile phone newspaper read, “Students dig dung Jinan five working posts” in a report.
A an instant of trance, not believe, but only on second thoughts now recall the Yangtze River Delta, the coastal cities, is to seek “Labor Shortage\quick success has long been seen and heard hh
we extract the relevant information online:
yesterday morning, after more than seven months scavenging work training positions, five college students and urban management bureau in Jinan City, fertilizer two signed employment agreement and a ceremony was held under the masters, the agreement at least three years of scavenging, dry industrial jobs. encouraged to go live on their own hands, now 5 “80 后” Students also use their actual performance did not respond to people Solutions and suspicion.
23-year-old Zhang Ting graduated from the Shandong Institute of Economics, is a five college students in one of the youngest, last September, 391 people in five positions rob the fierce competition, she was eventually admission.
“At that time I did not expect, dig shit work so intense job competition.” Zhang Ting said, after admission, she posts to do before prepared, to tell it myself. but just begun to enter the line of work is not suited to her.
Zhang Ting are toilets where the team responsible for the need to pick manure, a load weight of 100 kilos, which some of petite stature, she is a great challenge. from the first installation one-third to half,herve leger on sale, then filled, Zhang Ting, under the guidance of the old master, gradually adapted.
“that the burden of 100 kilos, an average of 30 a day to pick the two worried.” Zhang Ting said.
Jinan dig dung began to recruit workers post June 4, 2009, when Jinan sanitation sector belongs to three units a total of nine external recruitment of staff, including City of fat 2 5 Cut manure external recruitment work. In the end, five students were enrolled, of which two are girls.
Shandong Institute of Economics, National 211 Project, a group of national key university, this competition challenges school students dung work?? eventually see the picture above There they earnestly study skills and pick pick fecal droppings of the picture as evidence at last I believe, and this post at least three years, as a college student, I admire them! dare to put aside their dignity, to do the job, if I I do not know how parents, teachers, and village folks how to interpret the hh, and nurturing of our parents put up with hardships, they may not think of how we have chosen a way back to the work of hh (this is something)
further observation is not difficult to find them ownership sector sanitation sector, sanitation Jinan query in the evening I found that when the cause of series, all my doubts have answers to all of hh, the final result is that a monthly salary of 3,000 yuan, the cause of the preparation. I was thinking, if I, I will do it? I think I will be in it. real man resilient, bear with the situation three years later, we get the final iron rice bowl, a comfortable working environment, good job security, life to ensure that we staff these companies want to have insurance, fund everything it should be, with three years of work in exchange for our lives and material that I think I was willing to it.
think of this, I can not help it to speak, is what causes the hard training of our country for over ten years, even decades flowers of the motherland, the motherland of the pillars of the post should not, just pick and choose dung! Although there is no distinction or position of points, However, it must meet before they can be used by hh
ultimately result this is a national system of achievement of that reality, we are reluctant to go full of ambition to do scavenging work, but we have to do for long-term interests of our hh , cause code, the civil service of what the treatment is, I believe no one is not clear, what kind of business is all the more clear, here I will not say any more. I personally think it is the enterprises and institutions This creates a serious gap can not be used to do the only right of its timber.
first 13 meeting of the CPPCC opened immediately to hh,herve leger on sale, we should be cherishing a hope? may be right,herve leger bandage dress, but on our current national situation run, may need a long-term course of hh, the pains of reform there must be hh
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Often cold hands and feet occasionally tried a naked person, you feel warm,herve leger dress sale, comfortable,herve leger bandage dress, and soon fall asleep. Studies have pointed out, naked like hot springs, remove the clothing in, the skin blood flow increased, the body naturally comes out of the heat generated , wrapped in four weeks, allowing the body to protect themselves is improved. This \gradually reduce.
naked popular esteem in Japan. In Hokkaido, villages, all residents have the habit of naked, almost no sleep. experts believe that this is because naked can reduce the shackles of clothing and bring a sense, to various organs of the body was wrapped from the day feeling liberated, in order to promote improvement in the quality of sleep. and the establishment of a habit naked men in sexual life can become more confident, more relaxed when they married life, which is to promote gender mutual trust and promote relations between husband and wife have a very good help. So, long, regular naked not only improve sexual desire, libido but also help couples to re-start normal sex life.
worth Note that the first test naked, have to pick on the bed sheets, quilt material. Although cotton is skin-friendly materials,herve leger dresses, but must be washed in water or slept for a period of time, only the best of health effects; and cold soft silk and very light weight, you can completely relax people, ideal for spring and summer, but winter is a bit cold for that. In addition, strip naked does not mean that sleep, attention must be paid warm; sheets, quilt the best week have changed, do not put sheets as \
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Economy tourism products for the Family Fun Fair
2009 Beijing CITS Travel outbound and domestic travel executives interview
Moderator: Hello, everybody! This is the Beijing International Tourism Expo 2009, the network broadcast room. Live today to visit China International Travel Agency Room Head outbound and domestic general manager, general manager, welcomed the two. Beijing Tourism Expo this year, the largest ever, most of the time show exhibitors, two as an exhibitor what does it ?
Zhang Wei: What really feel the development of faster and faster, and today both the European and American countries participating, and many African countries, delegations, as well as the Taiwan compatriots, other participating groups in Greece and also the perfect large, so as the capital of China, the Expo very successful and attracted more attention to the audience to share travel abroad destination.
Moderator: You mentioned earlier that Africa, in fact, before the tours we know it 1,herve leger on sale, Africa’s travel route is not much, except for Egypt, South Africa, as well as Kenya, that the exposition of what the future of tourism ideas?
Zhang Wei: I would like to enrich the tourism product, such At the same time doing promotion and visibility efforts will be relatively large.
Moderator: Ever since the financial crisis, including the flu virus this year and catch up, we understand the situation, that is, foreign tours may not be particularly good, then we In the pull of domestic tourism, Zhang and you have some idea of what is in the development of tourism this one?
Zhang Ling Jie: the financial crisis last year by the influenza virus, affecting mainly the impact on consumer confidence, Another impact is the impact of reduced consumption, so these two aspects, but the demand for travel is still very strong. So we are in a stage of adjustment is not the same line,herve leger dresses, such as when the financial crisis comes, we the line as far as possible transferred to low cost, H1A1 can not go to Europe to Asia, Asia can not be transferred to the island, that we have appropriate countermeasures. Guonei this one by the financial crisis is not particularly large, but more is by the psychological impact, so this year, the tourism bureau, including parts of the Government to promote consumption of very large, this can be seen, basically to come to the Tourist Board and the attractions are, and on tourism has played a significant role in promoting. and then a lot of to consumers in the local coupons, also introduced some corresponding policy, the attracted many consumers, on the propaganda Travel also played a significant role, can be said that this year’s position of excellence, is also confident. Zui key is All tourist attractions up and down the whole chain of whether either enterprises or service providers or have attached great importance to take their tourism in a very high position, this is our future as the development of tourism is a very good sign.
over by: College Entrance Examination has just ended, we also face the summer break, kids introduce you to some good tourist routes it?
Zhang Ling Jie: It’s summer children travel is family friendly, that have followed the textbook to the domestic tourism products, For example, Guilin, you can go to Suzhou, Hangzhou, Xi’an, including the entire planning some trips for the children’s line, we have also introduced a range of products. so to speak, the product is very good, everything is ready to travel on waiting for your coming.
Moderator: Zhang and your side of the international tourism sector, as an international line side to it, such as our senior students, or students who want to go abroad to see this holiday season, How has your recommend some of these groups in line for you?
Zhang Wei: for students, high school, small schools with travel routes recommended choice in Western Europe every year, but cost is also high. For senior students, whether to the United States, Europe, and have dedicated lines, parents can take the kids choose this regard. for the charter schools we have in Japan, as well as personal lines, the new summer opened the Taiwan market have also introduced new tourism route, it is very rich. In addition, this year we have an annual partner, the resort covers all of the projects,herve leger dress, for 10 to 18-year-olds, in this holiday season for our visitors by providing a new way. Therefore, We go after more and more convenient.
Host: Internet users friends, the two sheets to us overall economic model of tourism products, if you’re interested, you can visit the website of international travel a more detailed view information. This year we are very grateful to the two visit the live room, thank you
more tourist information: www.lvmama.com
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Women favorite sex position
Chinese historical records, as many as 81 kinds of sexual positions, some simple, some stimulate the sense of strong, high on the physical requirements. Recently, the United States, \kind of enduring, greatly favor of women’s basic sexual positions for couples reference.
traditional female host. It allows women the decision, the clitoris or G through the point of stimulation to obtain orgasm. If you want the former, Women can lean forward, back bending, lower body close partner base of the penis. try to move left and right lateral to G point of friction.
grind style. This is a \can sit on the table, limbs start, men standing on the front. Choucha this position angle and strength in the shortest possible time so that heat rising. but only drawback is that the men would be too strong for excitement, but difficult to control climax.
missionary position. This position allows the two sides continued to kiss, touch each other and look, enriched each other’s emotional communication. In order to change the monotony of the traditional position of men can change the angle of Choucha, women may wish to reverse the buttocks.
cat. This is called \woman’s shoulders as a support, the two bodies to be fully fit, and keep the spine straight. in sex,herve leger on sale, men can be gentle up and down motion, not around the action.
later-in. After the overwhelming majority of men like -in. it is better to stimulate women’s deep, and since men can easily touch each other, and can make pleasure doubled. However,herve leger on sale, this time the men have to pay attention to Choucha efforts to avoid injury to the female partners.
face side. This position is easy for men premature ejaculation,herve leger dress sale, their range of motion is small, can prolong sex time. This position is also beneficial to both husband and wife whispered in the ear, and enjoy the unity of soul and body.
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Husband and wife mutual insurance for a better future!
The Sohu programming competition in the insurance 21 program, are the standard working families, with real estate and mortgage, ready to be a baby recently, in the hands of cash savings and comfortable, but could not find a suitable financial management and investment channels and idle funds in bank interest on, and without any commercial insurance. event of a major accident, such as accidents, major illness, etc., can not risk transfer out, only themselves, it is possible This will bring prosperity and stability of the financial aspects of family disaster, not only can not enjoy the two sides together to create a better future, there are likely to weigh on both sides of the elderly. In fact, such families in the country a few, very representative, I out to be a analysis and planning, users who want to give a reference.
First, we review the family situation 21:
* Name
Ms. Liu Ms. Liu
* spouse
husband
* Age
30
* Age
30

5 万
annual income of annual income
5 万
scheme retirement age
45
Plan retirement age
45
financial assets
60 million deposit
financial assets
60 million deposit
property
75 million (occupied)
real estate < br> 75 million (occupied)
loans
30 万
loans
30 万
household spending (2)
3.9 万
household spending (3) < br> 7.8 million (average)
education costs (up to 22 years old)
about 50 million (average)
parents
maintenance maintenance-free
parents
No
final costs (medical and funeral expenses)
10 万
final costs (medical and funeral expenses)
10 万
expected social security pension
2500 / month
estimated Social Security pension
2500 / month
estimated average survival to 83 years old

estimated average survival to 79 years

social insurance social insurance
have

have
commercial insurance commercial insurance

no
no
Notes:
1. we have two old people and old-age pension insurance, so support for the elderly may We do not need to spend any money.
2.2010, we plan to have a baby pregnancy, this may be a big overhead, estimated at 20 000 bar, after the baby needs during the growing cost of no plans. < br> 3.2008-year buy a house, loans, 60w, 30 years. step by step now is the monthly repayment, is not prepared to advance loans yet finished.
because we also want to consider buying insurance recently, but did not know what to choose, so want to know what kind of financial product or insurance, for me and my family. My health, pension aspects of insurance and family insurance plans more interested.
Background Data Source Analysis:
cost of living: the current two living expenses for one year 3.9 million born in 2011 is expected to children, living in the Beijing cost the average family of three to reach 6,herve leger,500 yuan / month. If a party in a terrible family, then another two before the cost of living is about 80% or 5,200 yuan / month; If the child is 22 years after independence, the family living expenses decreased to 70% of that prior to 3640 yuan / month.
housing costs: a set of 1.5 million from housing loans 600 000, cycle is 30 years, has also 2 years, the annual repayment of about 35,000 or so.
parents maintenance costs: both her parents can not support the current cost of 0.
cost of education: if a child is born in 2011, from kindergarten to 22-year-old university graduate, Beijing average education expenses expected to reach 50 million per.
final cost: Everyone does not know when to leave for any reason in this world, but in most cases is in the hospital, so the final cost of a medical emergency and funeral expenses would be inevitable, according to data released by the Ministry of Health, the cost of an average of 100,000 yuan in Beijing around.
health care costs: they both have a social health insurance, and have large cash reserves, face health risks have sufficient cash flow to meet.
work income: income of both parties now are 50,000 / year from the expected retirement age of 45 and 15 hours of work time.
retirement income: Mr. Liu and Ms. ready to retire at 45, so there are 15 years of working time, the Chinese government provided male citizens 60 years of age, female citizens 55 years of age can begin to receive pensions, the current design of the social old-age insurance pension replacement rate of about 60%, so according to Currently two of the income, it can measure the availability of about 2,500 yuan after retirement / month pension.
assets: 1.2 million savings (taking into account the current percentage of time deposits with CPI rather, it is without interest factor); 1.5 million property (as is the self housing, not as an investment, so do the insurance plans are not included in the asset)
Note: The above data is static, and are the present value, does not take into account inflation and personal income growth factor, so the family financial analysis should be conducted regularly, such as every two years to do again, or face major changes in his family to re-analyze (such as purchase, giving birth, major illness, source of income interruption, etc.).
Financial Security Analysis: < br> essence of insurance is to protect the financial security, mainly used against the following risks: First, live is too short (premature death, family members may lose their source of income), two are alive too badly (after a major illness or disability, had no source of income but also to survive), three are living too long (pensions are not enough).
used against the first risk insurance, primarily life insurance (to end of life as the subject matter insured); < br> The second is used to prevent the risk of insurance, mainly critical illness insurance and accident insurance (to suffer a major illness or accident disability insurance, as the subject);
used to prevent a third the risk of insurance, mainly old-age insurance (in life as the subject matter insured).
First, we analyze risk in life insurance, Ms. Liu, the assessment if the woman’s place tomorrow, unfortunately, the other two future will be how much to spend, and then under the domestic reserves and expected future income to assess whether to support the future of the family’s spending, if not enough to carry on with life insurance supplement.
simple calculation is: total expenditure of households in the future – the future of the household income = actual amount of life insurance should be prepared .
which future family expenditure: Category is calculated as follows:
project
period (age of the insured)
Total (present value)
after the death of the insured person the cost of living
From the age of 30 to 51 years 1,372,800
the most immature adult children
cost of living 79 years from 52 years to fund loans 1,223,040

from 30 to 57 years 560,000
commercial loans
0
rent costs
0
education costs
from 33 to 51 years 495,000
parents remain devoted to gold
0
final cost of the death of the insured
< br> 100,000
other loans
0
other costs
0
Total
3,750,840
can be seen from the table, if the unfortunate happened tomorrow, then the future of the family The total expenditure will reach around 3.75 million at least.
if the risk did not occur in the future, but in a future year, the year in the future, the family’s total expenditure is as follows:
Liu (age)
30
39
49
59
69
79
Liu’s husband (age)
30
39
49
59 < br> 69
79
cost of living
2,595,840
2,034,240
1,410,240
917,280
480,480
43,680
fund loan
560,000
380,000 < br> 180,000
0
0
0
commercial loans
0
0
0
0
0
0
rent costs < br> 0
0
0
0
0
0
education costs
495,000
350,000
60,000
0
0
0
parents remain devoted to gold
0
0
0
0
0
0
final cost
100,000
100,000
100,000
100,000
100,000
100,000
other loans
0
0
0
0
0
0
other costs
0
0
0
0
0
0
Total
3,750,840
2,864,240
1,750,240
1,017,280
580,480
143,680
corresponds to the table, get the following graph of total household expenditures in future years:
Based on the above graphic you can see, the family’s future total cost of all expenses will occur with the risk of the later time, but gradually decreased, but also reminds us that the risk of occurrence of the earlier personal and family financial security, the more impact. Therefore, a stable income and heavy family responsibilities, but the work is most needed insurance coverage during the stage.
Fortunately, Ms. Liu is also home the ability to resist risks, because the other one in the future can bring the family income, and higher amounts of cash to support life in the future! then the support of the efforts there? we look at the family’s future The total income of all other ages:
Liu (age)
30
39
49
59
69
79
Liu’s husband (age)
30
39
49
59
69
79
spouse annual income
800,000
350,000
0
0
0
0
other income
1,herve leger dress sale,350,000
1,350,000
1,350,000
1,230,000
660,000
60,000
assets
1,200,000
1,200,000
1,200,000
1,200,000
1,200,000
1,200,000
survivor benefits
0
0
0
0
0
0
company pension
0
0
0
0
0
0
Personal Insurance – Life
0
0
0
0
0
0 < br> Total
3,350,000
2,900,000
2,550,000
2,430,000
1,860,000
1,260,000
other income in the table means: the other party’s social pension insurance (men from 60-79 year-old female from 55-83 years old, this table refers to the husband’s future pension, Ms. Liu total income)
the future by calculating the total household expenditure and the difference between total income, will get the life insurance risk, Ms. Liu how much risk each year amounts are listed below:
project
30
34
40
45
51
56
62
67
73
79
Total
400,840
231,240
-83,160
-375,160
-1,004,560
-1,331,680
-1,393,760
-1,312,160
– 1,214,240
-1,116,320
visually represented graphically is:
The red curve is the total expenditure of the future trends in the family line (total cost should be prepared), the blue curve is the future of the family income of the trend line (total cost has been prepared), the green shaded Ms. Liu is the risk of my life trends, the age of 30 is about 40 million, down around age 38, zero, that is, Ms. Liu life insurance protection required for the period of about 8 years can be. that occurred after the death of 38-year-old case, the family’s various reserves enough to meet future needs. Ms. Liu’s own life insurance needs of small and designed so as Ms. Liu about 40 million life insurance amount you can.
the same method to analyze the husband’s life insurance risk, Ms. Liu (process omitted), the data can be as follows:
Liu’s husband (age)
30
39
50
61
72
83
Liu (age)
30
39
50
61
72
83
Required Fees < br> 3,925,560
3,038,960
1,822,560
1,104,640
624,160
143,680
has prepared cost
3,470,000
3,020,000
2,670,000
2,460,000
1,800,000 < br> 1,230,000
less than the cost
455,560
18,960
-847,440
-1,355,360
-1,175,840
-1,086,320
visually represented graphically as:
Ms. Liu is the green shaded part of the husband of my life insurance risk trends, the age of 30 about 45 million, in 39 years or so down to zero, the future of the family after the age of 39, total reserves in excess of the total expenditure of the future of the family that Ms. Liu life insurance needed to protect her husband about 9 years of the period can be. that occurred after the death of 39-year-old case, the family has enough reserves to meet all future needs of life and have savings. Ms. Liu’s husband, life itself demand for smaller, so the design for the husband of Ms. Liu about 45 million life insurance amount you can.
Second, the re-analysis of major illness and accident financial impact on families. In many cases, family members of the major diseases After the accident disability or financial impact on families will be worse than the risk of death due to the occurrence of such risks, the insured need not only large medical expenses, and will lose their source of income for the future, have to use of existing reserve families, and these reserves may be used for future expenditure on pensions and gold used in children’s education. so critical illness insurance and accident insurance is also essential to protect a family of products, the occurrence of such risk in the future , both the insurance product is likely to be of the debts is an important source of livelihood of our future. So how do you calculate the amount they do, we can use a more simple way to calculate:
1. critical illness insurance. When a significant disease risks, in most cases the insured will lose a stable source of income, because very few companies are willing to hire employees suffered major diseases. According to statistics, disease, in patients with more than 50% will be more than the average survival 5 years, many people live 10-20 years is very common; other major diseases such as deafness, blindness does not affect the insured’s life. Therefore one should buy insurance for major diseases, the amount should be: after illness no income coming years * estimated annual cost of living. than this case, Ms. Liu personal living expenses each year about 2 million to the pension retirement age of 55 and 25 years may not have income, you need to prepare at least 25 * 2 = 500 000 serious diseases insurance. Ms. Liu husband, you should prepare 30 * 2 = 600,000 critical illness insurance. but life can be seen among the results, when the family lost a member of any income, the family’s financial gap is about about 400,000, so this case the light of critical illness insurance life insurance lines designed around the amount of 400,000 can be.
2. accidental injury insurance. with a similar risk of major diseases, accidental disability will also have a serious impact on family finances. Because accident insurance is carried out in accordance with the level of disability damages, a total is divided into 7, in which when the insured person’s disability to reach the third level and above (the third level of disability is more than a missing arm or wrist of a three-arm All major joints permanent total loss of function; a leg above the ankle or a leg missing all three major joints permanent total loss of function; binaural hearing for permanent total loss of function; 10 permanent total loss of finger function; 10 toe missing )
will enable the insured to lose income from work, while 50% of the amount of available insurance and insurance for more than damages, so the design limits accidental injury insurance, critical illness insurance and can refer to the amount of life insurance in this case, Ms. Liu Such risks need to occur in up to 40 million or more of the debts of the amount, so you can purchase the insured amount of 800,000 accident insurance; she needs the 45 million or more of the debts of the amount,herve leger on sale, so you can purchase the insured amount of 900,000 accident insurance .
financial security planning proposals:
If the analysis done in place, design very easy. According to the previous comprehensive analysis of the family can know each person should buy life insurance, re illness, accident insurance of the insured amount a. homogenization of insurance products are powerful, each company’s product portfolio can be thought through with Ms. Liu to design an appropriate solution. in this with Metropolitan Life Insurance Company’s products are designed to protect the program, Ms. Liu is as follows:
insurance, insurance
Contributions Contributions during the period of insurance type

amount of insurance premiums
1. whole life (universal type, B section)
to 60 years of age < br> life in exchange
400,000 yuan 8,000.0 yuan 2. Additional long-term critical illness insurance (B section)
to 60 to 60 years pay
400,000 yuan 3,496.0 yuan 3. additional one-year accident insurance (2008)
to 60 to 60 years pay
800,000 yuan per
Total
12,936.0 1,440.0 yuan
programs to life insurance (universal type) the main risk, which is characterized in life insurance benefits on the basis of an increase of financial management functions, of which a considerable portion of the premium into the financial account, the insurance company to provide minimum cover of 2.5% of revenue, the actual income insurance investment income a monthly published by the overall time is now about 3.55% or so. can be accumulated in a supplementary retirement pension. This product is very flexible and the amount the account can be carried out at any time to urgently draw.
insurance benefits of this plan are as follows:
1.42 years before the death due to illness or total disability, will be 400,000 yuan insurance payments + account cash value; cause death due to accident or total disability, will receive 400,000 yuan +2 .42 times the cash value accounts after the age of , the corresponding decline in the demand of its life insurance, the insured amount can be adjusted to a minimum 10,000 yuan. account value accumulated in about 60 years old or above 400 000.
2. before the age of 60 suffer from one of 35 kinds of major diseases, will be 400,000 yuan insurance payments.
3. In the accident 60 years ago caused the death / disability, will be 8-80 million paid; in legal holiday or by public transport, the amount of automatic double, you can by 16-160 million 赔付.
the plan is life insurance protection, Ms. Liu graphics can be seen from the graph, the 42-year-old former insurance protection Peifu amount completely covers the family’s financial shortfall, the main adjustment from 42 years of age whole life insurance (universal type) amount to a minimum, reduce the risk protection of their costs, so that faster growth in account value.
Similarly, Ms. Liu husband for the design of insurance programs are as follows:
insurance, insurance
Contributions Contributions during the period of insurance
type
insurance amount

whole life insurance (universal type, B section)
to 60-year-old lifelong
pay
450,000 yuan in 8,000.0 yuan
additional long-term critical illness insurance (B section)
to 60 to 60 years pay
450,000 yuan
4,666.5 yuan
additional one-year accident insurance (2008)
to 60 to 60
pay
900,000 yuan in
Total
14,286.5 1,620.0 yuan per
insurance benefits of this plan are as follows:
1.42 years ago, leading to death due to disease or total disability, will receive 450,000 yuan insurance payments + cash value account; due to accidental injury leading to death or total disability, will receive 450,000 yuan +2 .42 times the cash value accounts after the age of the corresponding decline in their life insurance needs can be adjusted to ensure the minimum amount of 10,000 yuan. account value accumulated in about 60 years more than 450,000.
2. before the age of 60 suffer from one of 35 kinds of major diseases, will receive 450,000 yuan insurance payments. < br> 3. In the accident 60 years ago caused the death / disability, will be 9-90 million paid; in legal holiday or by public transport, the amount of automatic double, can be 18-180 million 赔付.
Ms. Liu on the map is her husband’s life insurance protection graphics can be seen from the graph, the 42-year-old former insurance protection Peifu amount completely covers the family’s financial shortfall, the age from 42 to adjust the main risk for life insurance (universal type ) is the minimum amount to reduce the risk protection of their costs, so that faster growth in account value.
death beneficiary designation:
Ms. Liu’s death beneficiary designation for the policy, Mr.; the President’s death beneficiary designation, Ms. Liu. so in the future life which, if any untoward side, then the other can get all of the insurance premium as a family reserve for future children’s lives, education, family pension lay solid foundation. while the death of the insured when the designated beneficiary of the future save a lot of trouble when claims and disputes arise.
financial advice:
asset allocation in the family, the current popular the financial law of 4321. the rational allocation of household assets ratio is 40% for household income for housing and other investments, 30% for family living expenses, 20% for bank deposits to prepare for emergency needs, 10% for insurance. this case, Ms. Liu is the ratio of the first three normal, relatively healthy financial position. but considering that once their children to join the family, living a share of income will increase to 65%, we now need to to do is to add commercial insurance as soon as possible and because of the use of which 1.2 million as part of savings banks to invest in financial assets will improve the income up.
However, 4321’s Law is a general rule, each family in the development of financial planning , from person to person and wish to have three points that must be considered:
First, the risk of the family property. we need to personal and family circumstances and risk tolerance to select the asset classes, in particular, need to consider the accumulation of household assets, future income expectations, family responsibilities, as these factors and personal and family risk tolerance is closely related to, on this basis can we better choose the asset categories and the corresponding investment ratio. this case the accumulation of assets among households has reached a considerable proportion of expenditure on insurance premiums can thus corresponding to 20% or more, as long as you can without affecting the quality of life.
Second, the family financial goals, which determines the length of investment period. financial goals must be clear, for example: 60 reserve of 2 million pension age; such as 18 years of higher education for their children’s education 1 million gold reserve; such as the full amount after 5 years the value of 1.5 million purchase of a property; have clear financial goals, financial planning Teachers may be given only relatively specific proposals. For most people, the need for personal and family financial resources are classified, give priority to family financial goals, building the core portfolio; then configure the surplus funds in certain risk assets, and build around the portfolio, to protect family financial security as the basis for investment to increase revenue. In the two portfolios, the stock will be clear that specific class of assets, debt asset class, cash asset class allocation.
3 is suited to their configuration of assets are determined. financial goals, risk of property after a program suited to their investment will be decided, this certainly is the need for a feasibility plan Lai Caozuo 制订, the investment in the Chen Zhiwei investment combination, also known as asset allocation. investor’s risk tolerance is considered the starting point of all investment, high risk tolerance, and can be considered higher risk, high-yield investment vehicles such as stocks, partial stock fund, investment and joint Insurance shares or partial shares of funds accounts, etc.; low risk tolerance, and can be considered low-risk instruments, bonds, partial debt fund, investment and joint insurance partial debt or bond funds and other accounts.
this case Ms. Liu family can not know the specific financial goals and risk preferences, needs and financial planning divisions of comprehensive communication and risk bearing capacity test before they can give specific recommendations. Investment-linked investment approach for the family will provide a relatively stable long-term , easy care, low-risk investment, it is recommended as a family investment channel allocation among the assets in the family.
above, Ms. Liu is on risk analysis and protection of family planning and proposal, hoping to have Ms. Liu the help. believe that if by continuing to further detailed discussions and planning, Ms. Liu and her husband will be able to create a better future, have a rich stable, carefree happy life!
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Love of art than a hundred reasons mm Dutch law on the 9th Family Art Tour
trip characteristics
l life in the arts can not be less than the Louvre, the embrace of the treasures of museum masters;
l north of Venice, rich creative spirit of the Netherlands, two famous museums, visit the scene to observe
l feel the life force, close to nature’s breath, follow the master of the comic perspective of the natural
l city, Tintin the country, so you glance Tales
l near the four-day comprehensive tour of Paris, involving all aspects of art, so you look your fill
l a professional guided tours to explain the whole, not miss any details < br> l fell in love with art a hundred reasons, here, waiting for you to discover hh
Day 1 Beijing Beijing m Amsterdam Amsterdam
Today, we gathered in the Beijing Capital International Airport, international flights to the artist m the home of Rembrandt in Amsterdam, Netherlands. After dinner, free shuttle to the hotel to rest, adjust the time difference, is preparing to look forward to the journey.
Hotel: 3 star hotel or similar Meals: Chinese dinner
Day 2 Amsterdam Amsterdamm A paternity Hamilton Apeldoorn
driving distance: Amsterdam m A paternity Hamilton 01h09 96km
windmill capital of the Kingdom of the Netherlands known as the \1-5 meters below sea level terrain, \Favorites include: the famous masterpiece greatest treasures mm Lunbu Lang: Night Watch (Night Watch), Vermeer the \times the great works. then go to the world’s collection of works by the most high-Vatican Vatican b b High Museum * Museum is in possession of 205 paintings, 524 drawings and watercolors, is the Vatican b high-fans can not miss the place. noon Dam Square, watching street performers and puppet performances exciting African dance and feel the charm of this unique city. afternoon, and the father and mother to a journey into the forest on foot. In A Van b accompanied Hamilton High Forest Park * Not only has a lush forest, even with marshes, dunes and wasteland, the Netherlands largest nature reserve, 5,500 hectares and parents with the sun, cycling, and elk, wild goats, squirrels Say Hello. overnight accommodation in the natural embrace.
Hotel: 3 star hotel or similar Meals: The hotel buffet breakfast, Chinese lunch and dinner
3 days Apeldoorn Apeldoomm 阿夫鲁戴克 embankment Square m Hague Den Haag
Driving distance: Ah accompany Hamilton m Hague 01h26 130km
morning, we drive to visit the Dutch \Your view of sky and sea near miracle. then went to The Hague, Netherlands mm Imperial beach, visit the Madurodam miniature * Here is the short period of time about the wonderful land of the Netherlands, the Netherlands all the miniature version of the famous, including within The Hague International Tribunal, established the Peace Palace, the Royal Palace on Dam Square in Amsterdam, Utrecht dome of the cathedral, etc.. more than a miniature landscape of these static, Madurodam same sporty: the new \airport \Palace), Parliament House, I Van Ninggen Hai beach, etc. Overnight in The Hague.
Hotel: 3 star hotel or similar Meals: The hotel buffet breakfast, Chinese lunch and dinner on day 4
Hague Den Haag m Brussels Brussel < br> Driving distance: The Hague, Brussels, 02h04 180km
m early in the morning say goodbye to The Hague, we went to the Belgian capital of Brussels, to visit the home of Tintin and the Blue Wizard. Brussels most famous cartoon street, less than 100 m range, the construction the walls of all objects cartoons can be large 4-story fill the entire walls. even into number of alleys,herve leger on sale, comics are everywhere. Walking the streets, occasionally found on the roof seems to be some rock climbing in the practice, stop and fine see, originally the wall cartoon characters, they have organic fusion of architecture and the blue sky came together, the city added a different kind of flavor. from stones and gold-plated material from the completion of Gothic architecture and Baroque financial as one of the great Square, 10 minutes walk to the northeast will see the famous cartoon museums *, which has gathered inside the famous cartoonist of the pictures in many European and animation works. the museum stands at the entrance to the famous Belgian small press \; Tintin \The variety of chocolate products, so that you can not help but salivate. You can bring home some of the famous Belgian chocolate, and family to share. then we went to see \, Royal Palace, etc.. Overnight in Brussels.
Hotel: 3 star hotel or similar Meals: The hotel buffet breakfast, Chinese lunch and dinner 5 days
Brussels Brussel m Paris Paris
driving distance: Brussels, Paris m 03h04 312km
After breakfast, transfer to the arts are desirable – Paris, Eiffel Tower to the Da Houdeng * (second floor) (Tour time about 30 minutes), the majestic view of Union Square, where m is the French people as \The story background to enjoy the roses in color glass brick windows and the magnificent Gothic building design. In the evening, and parents with the Seine on the night boat bar (optional), endless night in Paris and everywhere to people hang around, everywhere you can create a great atmosphere, always people marveling at its beauty, romance, strong cultural atmosphere.
Hotel: 3 star hotel or similar Meals: Hotel buffet breakfast, Chinese lunch and dinner
Paris Paris
6th day morning,discount Herve Leger, we went to an art about to go to the world’s largest museum – the Louvre *, containing numerous world-famous art treasures, the numerous treasures of art collections from ancient to present , called the world’s first museum. now the palace of the Louvre collection of more than 40 million pieces of art treasures from around the world. French art treasures of these sources and types according to their respective exhibition on display in the six that the Eastern Museum of Art, the ancient Greek and Roman Art, Ancient Egyptian Art, Treasures Museum, Museum of Painting and Sculpture Museum. One painting museum exhibits the largest area of the largest. Louvre area and 198 exhibition halls, the largest Director of 205 meters large. Remember, \prepare their own brushes, copy masters. with a full day to indulge in Botticelli, Leonardo da Vinci, Lunbulaite, Cezanne and other masters of arms hh
Hotel: 3 star hotel or similar meal Food: The hotel buffet breakfast, dinner 7 days self
Paris Paris
Today, we have a full day of free time. friends, lovers of art can continue to the Museum today. Remember art class the teacher talked meditation are you? now take you to see real products, with the Rodin museums to find \Garden show a total of more than 100 sculptures by Rodin,herve leger dress, the famous work \bright colors can easily be attracted by the huge water pipes, in fact, each color represents a different pipeline systems, colorful water pipes exposed outside, a main feature Pompidou. Pompidou Centre will focus on the promotion of contemporary art, public reading space, the display from time to time, often to give visitors a different surprise. Here and modern art to a close contact with it. want to unwind and friends can choose a day tour in Disneyland Paris. This is the first European a Disneyland, Mickey Mouse and his friends, American cowboy town, the sleeping princess Sleeping Beauty’s castle, many cartoon characters are all here waiting for you, the eyes of the perfect fairy tale characters and \, climbing adventure park swept the world’s largest ship, experience the Grand Canyon’s steep mountains, with competition for housing in the Caribbean pirates seizing pirate \Or Peter Pan, are full of Trolltech and fantasy. happy to do a tour in Paris magnificent fairy tale dream it.
Hotel: 3 star Hotel or similar Meals: Hotel buffet breakfast, dinner the first self
Paris, Paris m 8 days Beijing Beijing
reference flight:
morning we went to the art district of Montmartre, the famous \mill in the streets, the top of the red flag of the windmill, along ruelepic to move forward along the left cafe des deux moulins coffee shop, here is \walk the street to the left, you can see the Van Gogh once lived: house at 54 (4). since he started here in 1886, 3rd floor, lived for 2 years. In PLACE DU TERYRE many portrait and square cartoonist, is interested can go and discuss techniques with them, or where random draw some sketches. at noon in the Seine books stand sits Zhao Zhao something you like it, Seine – Marne River in the old book stalls now praise for the \Team, adding that stretches 4 km, may be regarded as the longest of the library world. They sell national fiction, poetry and painting as well as history, geography, astronomy, archeology, art books, which also operates the stamps, coins and small antiques, can be called a comprehensive classical library or museum. is to understand the art of living of ordinary people of Paris the best place. the afternoon, transfer to international airport, guides to assist with departure and check-in, take the international flight back to Beijing. < br> Hotel: / meals: hotel buffet breakfast, lunch
9th day of Chinese Beijing Beijing
arrived in Beijing, concluding a three arts and memorable trip.
price includes:
1, full return air ticket, air ticket taxes, fuel surcharges;
2, visa fees and overseas travel insurance;
3, the whole three or four star hotel double standard room accommodation and Western-style breakfast;
4, Chinese lunch and dinner (five dishes and one soup), a total of 10 full meals;
5, full luxury coach, professional tour guides accompany the Chinese.
6, with * Entrance tickets: National Museum of Amsterdam, Van b high Museum, A Van Gogh accompanied Hamilton Forest Park, The Hague, Madurodam miniature, Brussels Cartoon Museum, the Eiffel Tower (second floor), Notre Dame, the Louvre
prices excluding:
1, single room poor cost?? pounds / person / night;
2, mineral water;
3, all private consumption, such as laundry, drinks, telephone, pay TV, etc.;
4, Special Insurance;
5 due to traffic delay block, strike, strong winds, fog, flight cancellation or change the time to causes such as the additional costs incurred;
6, invitations and official activities, translation costs;
7, passport fees at their own expense item
reference:
Disneyland Paris: day two park, adults: 53 Euro / person, 3-11-year-old children in 45 European / person.
Pompidou Art Center: Adult 10 Euro / people, students 8 Euro / person, 18 years of age free of charge
Rodin Museum: Exhibition: Adults 6 Euro / person ,18-24 years old 4 Euro / person, 18 years of age free of charge; exhibition 7 Europe / person,
block (exhibitions, exhibition halls, gardens) Adult 10 Euro / person 18-24 years 7 Euro / person
garden: 1 Euro / person
Seine River Cruise Night: 60 Euro / person
price to be determined
Advisory :010-87372266-181 13466783100 Mr. Zhang
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.. I work quite busy recently, failed to update the blog, would like to thank the many friends of the e-mail greetings online! If you talk about red headed CCTV Huadan Zhou Tao, I believe we can say something man and his deeds! But if CCTV from her emotional life behind the stage, then the always different opinions and different! Zhou Tao was born in Huainan City, Anhui Province, an ordinary family, 18 years of age admitted to the Beijing Broadcasting Institute, and thus the awareness of their alumni and lovers Ming Wang! the tall, handsome Ming Wang, Zhou Tao in high school than three, then in his hot pursuit of good faith under, Zhou Tao, and he fell in love! but did not expect this relationship to bring Zhou Tao’s not all good, but mixed with the subsequent damage to Zhou Tao gradually mature emotional life, but also learned new understanding love and marriage! Ming Wang this year after graduating, was assigned to the work of the Central People’s Broadcasting Station. Three years later, Zhou Tao also faces graduation assignments, when the North broadcast audio professionals to stay in Beijing targets small, if it is to host professional counterparts do, Zhou Tao must be returned to his hometown in Anhui! final Zhou Tao decided to give up his dream of the host, in order to already have love to stay in Beijing! time lover Ming Zhou Tao Hong, Zhou Tao first to wait for other units, time, and so on and settling down, then think about their counterparts in the broadcasting industry to professional development of the work! Zhou Tao entered the Beijing Public Security Bureau at the same time, sign need to be out of the units after five years of work contracts!
.. then quickly Zhou Tao and Ming Wang on the married life also seems appropriate to gradually stabilized. gradually began to consider the professional counterpart Zhou Tao The switch things up, with Zhou Tao own words; although has a smooth stay in Beijing, also had a good job, but those instruments in front of every unit of the file, it will feel a little dull and helpless, I found myself do not forget the host dream! Zhou Tao, after three years of work in the Public Security Bureau that he volunteered to go to Beijing Television, Beijing Television’s leadership did not expect immediately decided to try, willing to adjust Zhou Tao past TV work! but this time the Public Security Bureau is not based on contract work Ken Fang left! was obsessed with desire to go to television Zhou Tao, Ming Wang could be the husband to find a few friends but none could help, so her husband would constantly complain about annoying restless I do not know enough Zhou Tao, Zhou Tao inexplicable into trouble in the beginning! Only later, Zhou Tao introduction and get to know through a friend of this person called Road cloud. then Lu cloud is a cultural industries do business, 30 years old and gentle, the kind of typical mature type man! Although the two are just acquaintance, but the way clouds are very enthusiastic and work through related activities, Zhou Tao soon to help resolve this matter to! Zhou Tao himself once said; when I was very grateful to Lu Yun, sometimes at home, it is inevitable Clouds and her husband Let’s talk about the good, the husband responded with cynicism, I think how this man so narrow it? slowly out of sync the two ideas.
.. there are times Zhou Tao to the south show a lot of days Cross the cold back home tired. Zhou Tao’s husband was not home, Zhou Tao is drowsy a high fever. just the way goes back greetings telephone hearing Zhou Tao, Zhou Tao in the drowsy to wake fever, and Zhou Tao Yun concern in the Road regards to sound, and started to cry! Road cloud asked to understand the situation and give immediately Zhou Tao in the nearby rice congee shop set up! time sat on the bed Zhou Tao shed tears while eating! through gradual exposure, Zhou Tao Clouds that enthusiastic than the frank, her husband revealed that they were too indifferent. after careful consideration, Zhou Tao final divorce! recalled the experience at the time, said Zhou Tao has emotion; Ming Wang Though older than me, But its also like a child, how can you come take care of me? So I think people’s mental age and social maturity is very important. I love when he only saw each other’s strengths and pitched into the fanatical love and into the marriage. this failed marriage so I understand the impulse to love college so naive, two people fall in love and light and full of passion is not enough! in 2002, when Wang Ming Zhou Tao and her husband formally divorced! After a few months later, the road goes on to marry the Zhou Tao, Zhou Tao, but has not readily accepted! Zhou Tao after a divorce in the vicinity of Peking University rented a small single room to re-found a home, but the house had no heat, only Zhou Tao buy charcoal to the market, came home from work on health a brazier, and then bake the two brought back from the canteen of cold bread for dinner to eat!
.. In fact, Zhou Tao and Lu Yun always have to maintain contact, meet each Gruen How are things going are asked Zhou Tao, Zhou Tao said, are good, there are new houses to live, all are good! But Zhou Tao’s dilemma and the hard life, ultimately Clouds shocked by the discovery of a! was not long before the day, road Yun Zhou Tao brought by car to the NPC next to a residential district, 19 in the open door of a room floor, Lu Yun Zhou Tao said on sincere; this is your future home! house just over 60 square meters, floor covered with wool carpets, Road cloud said Zhou Tao in Taiwan through a day in high heels, barefoot is best to relax at home! the house to install a geothermal system, as long as the set up heating time will automatically open every day, so Zhou Tao can go home every day barefoot walk around the room! move into new houses, the Zhou Tao a bit daunting, after all, this is not her name in the house! in the same year, CCTV, “Grand Arts,” the election for moderator, Zhou Tao lucky one of four candidates to become the ultimate competition Zhou Tao selected! CCTV’s “Grand Arts” program quickly so that viewers know the country Zhou Tao, so she quickly became first-line host, as well as the program hosts the Spring Festival Gala people! Zhou Tao of income soon reached a relatively satisfactory level of return, and Zhou Tao also felt that the reimbursement to the Clouds help solve the problem when the friendship! Zhou Tao was trying to use the market price of residential housing, coupled with the price of the original decoration Minato months integer to buy this house, Zhou Tao does not want to lose friends think!
.. The Clouds was the idea that after the said Zhou Tao, so be it, they want to change cars, buy a car given to him if the words of Zhou Tao, When is the car for the house ready! so Zhou Taohuai with gratitude, a good decision to buy a car as his return! final Zhou Tao in the automobile market to buy flowers more than 800,000 Department of VOLVOXC90SUV, Lu Yun is pleased to accept the this gift, he gave the house property certificate Zhou Tao, Zhou Tao see buying a house when the name is their own! Zhou Tao himself has said so; fact, I have avoided the road goes, the first because of the failure of marriage and career not into, I had no extra energy to consider their personal problems, during the Spring Festival, Lu Yun proposed to me, I hesitated and refused, and refused him when I feel awful, and Lu Yun also very depressed, but he said It does not matter, he would wait until the time I Xiangjia! in 2003, the road goes mother was sick, and finally diagnosed with advanced pancreatic cancer. In those days the road goes day and night to keep her mother’s ward, Zhou Tao to visit the sick when the total saw him shed tears secretly holding mother’s hand. Zhou Tao Clouds are often see the mother, the television station told her to listen to some interesting, old people always hear laughing, so the spirit will be good for a half day. because elderly cancer had metastasized, the elderly eventually left them! Zhou Tao has recalled; elderly dying and took her own hands and said, I hope you will do sooner the happy event, and will add a child I remember let me know, I want to be a grandmother Yeah!
.. Zhou Tao and Lu Yun-awareness for years, Zhou Tao Yun has been very clear way what kind of people! early 2004, the Zhou Tao and Lu Yun finally formed their small family,herve leger, married life happy! happiness in this life, Zhou Tao pregnant, just in her 30-year-old Black snow! October 15, 2005, daughter of savory and smooth as new members of their family! daughter of Xiang Xiang was born in After seven days, a family of three returned to their home Fangshan! little girl that was snooze time, only when the nurse, will open their eyes to see them shining, Zhou Tao feel a kind of feeling very happy and satisfied ! since giving birth to daughter, Xiang Xiang, the Zhou Tao feel that they did not even miss work, she felt that her daughter is her greatest asset, and harvest! while Zhou Tao and felt that they owe way too much cloud! Zhou Tao himself was recalled; have time Feng Gong Essays about things coming Spring Festival Evening, Road cloud greeted went out! find the time to leave when the Feng Gong; his car has been washed clean it! Lu Yun says; you talk about work, I could not get mouth, idle is idle, the car easily to consolidate brother to wash it! Feng Gong Gee mouth-Zhou Tao said it; Zhou Tao, will be married! in fact more than ten years, as long as, when necessary, Zhou Tao, Lu cloud will always be there in time in the side, with his own thoughts to all the support and according to Gu Zhoutao! and Zhou Tao now want to be a good wife qualified competent, caring way to learn both the care and clouds, and also good to be a competent mother! In fact,herve leger dress sale, in today’s reality life, there are many people like the saying goes, the; not know how to love, when combined, the know how to love when the split! for modern society is every person’s marriage history, although early opening Xie will not flower early, but who did not eat the green tender contains a sour apple taste it? might really like Uncle Zhao lines, love is like corn,herve leger bandage dress, you eat more familiar burnt incense!
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【Ask in Guangzhou, Shenzhen forum site video, photographic friend, able to provide DVD, photos and other video information to us, thanks!】
Three Musketeers housing livelihood called the Shenzhen station (February 3 update videos and Cao Jianhai Shenzhen the speech, at the bottom)
(Note: Zhuhai, Guangzhou, photos are also posted here, not the other opening theme)
when the ice
Figure 1 (below): Shenzhen Book City Centre ” ; to declare war on high prices, “the scene, thanks in Shenzhen with the enthusiastic support of our readers and friends of Bo!
Figure 2 (below): ibid.
Figure 3 (below): readers do their own banner We’re very moved. “Three Musketeers mm We will always support you forward!”
Figure 4 (below): Another banner read, “eyebrows sword scabbard mm you are not a person in battle! “The Three Musketeers Thank you for your support!
Figure 5 (below): Cao Jianhai keynote speeches, passionate, which led to a strong resonance, continuous applause.
Figure 6 (below): the time signature , a reader sent flowers, and when I received the flowers on behalf of The Three Musketeers, when the surrounding warm applause. the people, high housing prices so that people no longer tolerate predatory housing policy does not change, those in power unworthy trust it, to support its mass.
Shenzhen Bank Notes:
1 29 to Shenzhen after the dinner, they begin to accept several media interviews. more systematically about our views, set high prices on the livelihood of damage and the foundation of sustainable economic development of China’s destruction of the hope that the housing back to the people’s livelihood orientation. end of the interview was late, I and chopper out from Cao Jianhai room, their back to rest, but I forgot my room number, next to try a few rooms not right. quickly comes back to chopper, chopper really sensitive data, open mouth on the number quoted. this one out if I am in trouble.
1 30 Jun onwards have early. to Shenzhen Book City Centre, we are three in a bookstore with a cafe to wait. chatted chatted, Jian-Hai brother that if he were fired units, their writing a book on the home. Then I thought of asking This result did not. I said, thought, and I’ve Hire the vast majority of the book back home (I always take the book with the person), if the home I live in the house first Grandma Grandpa repair what hh is this life most people know me Who Loved Me, died before he left my house, and will make a notarized.
this topic a bit sad. I did not think of building sea-going brother would think of this layer He has always been the optimist among us. because the focus of our appeal has crossed the developers, local government, go to the location of the real estate aspects of hh which is bound to face enormous risks.
and Shenzhen to meet the readers will start before the host site for sudden notice, only take 200 people from the original multi-purpose hall, changing to a large venue to accommodate 600 people, because to the reader more than twice the expected. The results we three are accidental.
temporary decorating the venue take some time, we talk together, discuss the subject. short notice, we entered the hall together with the host Golden City. Shenzhen readers to enthusiastic applause, cries that Welcome, we were very moved and grateful bow to you collectively.
accordance with established practice, I do first a brief statement. I have the whole country from the world except for China, the abnormal status quo of interest rates, talk about the housing system in China predatory and high prices hurt the Chinese people’s livelihood and the destruction of China’s economic development foundation. Then, construction of sea-brother made a keynote speech. ppt to do with Beijing under the speech that is different this time is the impromptu speech. built The impromptu speech easy to understand the sea, from an economic common sense about the existing housing system in China a series of problems, sharp, coherent, systematic, humorous, clear, the gallery applause continued. Jianhai speech than his words, because the speech into a passion, affection, courage.
speech just the beginning, building sea brother said: “I compiled, written 20 books, this book was the most important hh I think that this book If published, is also the value of the dead! “
a lot of people do not know the story behind the book.” declaration of war to the high prices, “the book, after repeated examination, customs delays, however, once construction of sea-brother very pessimistic, not the opinion may out. Zhongjian After several modifications and communication, came only with difficulty. developers out so many books and people’s livelihood point of view the book has so get out of that alone, known to the high room Price war is tough.
Shenzhen reader enthusiasm, sense of justice and arousal, far beyond our imagination in advance. Two 80-year-old has been at the scene to support us to express our concerns. know that I lit a few days ago, a reader sent me a jar of clear fire quietly drink, a reader sent the hh grape bits and pieces and unforgettable!
on the night of 30 January 2010 in Zhuhai (End held in Shenzhen activities, arrived at Zhuhai)
called the Three Musketeers housing livelihood Zhuhai Zhuhai
not sleep
called Three Musketeers housing livelihood trip south, personal feel to the people’s forum difficult, because we are in the utilitarian times.
in Zhuhai, the three of us are “trafficking\other representations, the organizers released only a small number of supporters, most being held at the door. because, according to one friend on the chopper, said an organizer of Zhuhai unwilling to bear any costs, but to us, “trafficking” ; gives a business forum, they usually host a major seminar to pay more than 10 million in appearance fees, but this time, do not pay a cent to smooth the Three Musketeers ring in it, engaging in a forum.
very angry very desolate. the developer forum, almost all of the most luxurious venues where, The Three Musketeers would like to find a platform to encounter even more difficulties.
to Zhuhai after being arranged in a simple guest house, the evening was drunk wine Shuajiu Feng, noise going to the help desk calls to no avail. I want to build the sea, chopper called up out of my own to find a quiet hotel stay mm relatively critical of some of the accommodation. are worried that disturb them a break, hesitation undecided. almost an all night. The next day, chopper also said that almost did not sleep all night. and even to do that day to Zhuhai, Guangzhou and two forums.
three-hour forum in Zhuhai, we adhere to the principle of people’s livelihood, aside investment, but only the livelihood of the people.
chopper and Jian-Hai is the first time to Zhuhai (my third), Zhuhai, left them a very bad impression.
Zhuhai, a supporter of the injured heart , so we feel more sad and helpless.
as we unswervingly adhere to people’s livelihood, well-prepared, the scene of friends still on this forum affirmed. After all, we are able to secure the space is too small We treasure every opportunity. one day listening to lectures friend wrote the following words:
exciting day of talks moving
Three Musketeers lecture about the economic data is no longer the boring, no longer obscure economic theory, but in many cases to describe real housing prices high. They are concerned about people’s livelihood,discount Herve Leger, housing for the people’s livelihood, cry, call the spirit of the audience led to a strong resonance. We are in a another case, the inner was a strong shock.
hh
addition to the above example, the Three Musketeers also speak of many real examples. just graduated from college students to white-collar class, and then to higher income from the white-collar workers, all kinds of different people are by high gas prices, but the weight of kick. Musketeers from domestic mentioned abroad, the foreign policy of good housing analysis for the site to open to customers 11. Gentlemen, this is the attitude of the people’s livelihood are the scene called for a high degree of customer recognition. sometimes sentence not finished, the applause rang two or three times!
the final book signing session, a one-time customers to purchase more than 10 books. After the exchange knew, when he called his colleagues said the three property swordsman’s lecture scene, is gaining new book signing opportunity Three Musketeers. colleagues know, the number of colleagues have asked for help to buy. He added: “The Three Musketeers is a real estate scholars, is the real appeal for the livelihood of scholars. heard VIP Club Masters GSM Business Forum Forum mm This seminar is of great satisfaction. “
Three Musketeers livelihood of the people called the Guangzhou station housing
Photo 1 (below) The Three Musketeers declared war on high prices to live in Guangzhou.
Photo 2 (below): one day onward, Zhuhai and Guangzhou, and worked for more than six hours Forum (with signature) and Sleepless in the former case, all tired, but said on that day everyone passionately , impassioned.
with people in Guangzhou Guangzhou
declared war on the high prices, the Guangzhou Daily, Da Yang rolling by the Department and the CITIC Publishing House, Guangzhou Book Center jointly sponsored, the Guangzhou Book Center is still wen venues limited to not go on too late.
and Beijing, Shenzhen, Zhuhai forum than the forum because it is live, there are more interactive, and therefore,herve leger bandage dress, more lively number. However, as discussed by public opinion and other issues, things that live directly after the end of disappeared, as if nothing had happened.
at the scene, I saw dozens of familiar face, I feel much, they have been silent to us support.
this discussion, the issue of China’s high prices were deeper and more systematic analysis.
several users of the site to ask questions, left me a deep impression. One user said: “This year to buy Ming Bi, prices 30% devaluation of the yuan, if sustained, without having to buy Ming Bi, and direct fire can be a mm RMB yuan can be realized in the human world and heaven full circulation of the same.”
substantial devaluation of the yuan is to increase people’s fear has prompted many people crazy to buy a house one of the root causes. Western developed countries, central banks are basically independent, while China vest in the Government sector, junk currency more conditions. Therefore, the construction of the sea has repeatedly stressed that against the high prices, and to combat high inflation on people’s plunder.
the root causes of high prices, saying that white is the corruption that is due to our lack of depth of democracy checks and balances of power, powerful interest groups with the power Ping Zhang, wanton exploitation and plundering of the people. Therefore, in Beijing, the first question a reader said, “The reason why the Chinese rate is higher because people do not have a vote” .
media aphasia
and developers gathered at the media forum organized compared to the situation, The Three Musketeers of the activities, the media much less, but each activity has a dozen, but with little media coverage of this issue. First, we did not like the developers made a red envelope. Second, is the public opinion, The Three Musketeers of the people’s livelihood, calls do not represent the fundamental interests of vested interests. Third, the threat of developers. in Shenzhen, when there is a claiming to be journalists, friends say, there are real estate agents call them the newspaper, reports Three Musketeers of view if they would stop advertising in the newspaper. So, the media immediately allegiance to the Musketeers never any chance. who told reporters: “I support you on behalf of individuals!”
along the way, even though the scene is booming, the media rarely reports. as if nothing had happened. In this era of universal money, the media has long been those in power or the interests of peace with the tools, sense of justice and conscience are being trampled in the foot. really miss when a reporter recently, so many reporters have a conscience, in order to safeguard fairness and justice, perseverance, even if the prison has no regrets. memories We can only prove that out of touch with the times, when the media collectively fallen, and hoped the fire even more bleak.
but the hearts of the people there steelyard. Musketeers are the four areas, without exception, felt the fiery voice of the people. They interest demands are blocked in the cold outside, they were ruthlessly deprived of the right words, but the cries of their hearts can not be suppressed. Even if Hitler were not making money from real estate, but the construction of protection to the public room, increasing people’s cohesion and sense of happiness.
real estate dominate everything, will this nation untold suffering, more pain lead the abyss. people do not be bullied, deceit is difficult to sustain. housing must return people’s livelihood, we will truly harmonious society, the nation will recover self-esteem, re-create cohesion, this country will have hope. housing, must return to its position on the most essential, it must not be as stimulating economic development a driving force, the expense of public well-being of the GDP does not make any sense. China’s GDP, from the worship should be coming out to the people’s livelihood to the people’s happiness index is the only point of departure. only this, can the nation’s struggling from the sick, regain their confidence, to rebirth.
end of the event can be the first to add a sleep.
thank CITIC Press contributed to “a declaration of war to the high prices,” the book appeared, and thanked the organization CITIC Publishing House “to the high price war, “a series of activities, for CITIC Press the hard work of a small bell! thank friends around the country quietly support! The Three Musketeers forever at heart!
(recently I will continue to live video or audio pass up.)
grass in 2010 on February 2 night
video 1:1 30, the Shenzhen Center Bookstore, Chinese Academy of Social Sciences Dr. Cao Jianhai keynote mm high price has brought what? click below middle automatically play the triangle.
Video 2 (in fact, recording, recording notes, but can only be made through the video file here, click below the middle of the triangle that is played automatically. Introduction: January 31, 2010 CITIC Publishing House, Guangzhou Daily, Da Yang, Guangzhou Book Center jointly organized a Three Musketeers housing livelihood forum.)
under high prices, how do we do?
Cao Jianhai
mm “to the high room price war “news conference keynote
high prices being kidnapped numerous people, who are the real promoter? who seized the high price of the profits? the face of high prices, we just sit by and let drift, or through their own voices and actions affect the government, affect the public? It is currently placed in front of every Chinese, a natural choice.
a high rate background of the times
2008 年 11 months, in banner against the financial crisis, the State Council launched a package of real estate policies to rescue the market, causing house prices in 2009 reproduction of the city’s frantic rally in 2007. Compared with early 2009, most of the city line to the end of more than 50% occurred up, and even reached 80% in Shenzhen; in the days of the catalytic amount of credit funds, the price rose rapidly from urban sprawl to the second tier and third tier cities and county-level cities and towns nationwide EADS were mixed situation, the average rose more than 30% .
high prices sparked a national outcry, but in China the government level, due to the high price for indulging in driving GDP growth, the role of serious damage to people’s livelihood on the high prices, but is hesitant, attitude ambiguous, has been reluctant to drop the heavy hand to curb high prices. a mere formality, unctuous macro-control, but the director has made the world a tremendous surprise, the so-called “house prices rise the more stressed the more” spectacle.
in real estate, why the central government will be introduced so frequently, ineffective or even contrary to the macro-control? I think the fundamental reason is that vested interests involved and the control of the government real estate policies. The most typical example , 2003, Ren Zhiqiang, Zhang Baoquan so actively participated in the Ministry of Construction policy research, then become a serious hazard for the livelihood of the people of the State Council on the 18th housing the text of the policy-making, play a key role. Since then the Ministry of Construction documents prepared by each property, such as 2006 years, “the six countries\crisis, China’s exports suffered a serious recession. the State Council issued the full benefit immediately from the bloodthirsty as the main developer of real estate development industry rescue package policy, that is, one by Zhu, Nie Meisheng and other real estate representatives, to fight the revitalization of the economy, promote the improvement of livelihood of the people under the pretense of housing purchase, etc. submitted to the Ministry of Construction, and eventually won the approval of the State Council executive meeting. Since then the Ministry of Construction and Zhu, Nie two also plotted the real estate included in the “Ten State the revitalization of industry planning, “the strong public opinion, the attacks by playing with toys. However, real estate rescue the tax incentives to promote and encourage the two suites housing credit policy to stimulate the March 2009 prices and trading volume after the rapid rise and in the last quarter into the hurricane state, is reflected in the domination of vested interests and directed by the results of government real estate policy.
addition to manipulation of government policies, vested interests also proficient ruthless selfishness, lack of humane care of the free market theory, guiding them as the guiding ideology of predatory wealth. These have been proved to be something dregs of modern economic theory, has long been controlled by vested interest groups hired writers, more and more to instill among party and government documents, so that people imperceptibly, “moisten things silently” accepted the plundering of vested interests manipulating the facts of social wealth. Thus, we hear high-level “must unswervingly persist in reform and opening up, not turning back,” the voice of opposition over the real estate market-oriented reforms, demand a return to the voice of the road housing the people’s livelihood has been described as vested interests against the party’s line, principles, policies, and is engaged in welfare distribution, set the clock back, should kill them.
in my analysis, urbanization, economic growth, income growth and other factors, do not constitute a promotion of house prices force. In my view, the fundamental factor pushing prices up, is that our economic development economic theory errors guiding problems, the implementation of predatory vested interests in favor of the wrong policies.
Second, high prices brought grave disaster to the Chinese nation
(a) the economic harm caused by the high prices
1 , high prices affect the lives of the residents to become the greatest obstacle to expanding domestic demand, rising house prices
Although land development has brought enthusiasm, bring increased investment, boosting economic growth. However, the increasing differentiation in the economy and people’s livelihood Today, the crowding-out effect of high prices, has become the biggest obstacle restricting consumption of urban residents. high prices, in order to an apartment, most buyers to carry a heavy debt burden, they can only eat Jian Province use compression consumption. This gives our most pressing current need in the start, with serious negative effects.
2, high prices lead to a large number of companies doing regular jobs, loss of industry basis for sustainable development
real estate market The heat is reflected in the land market, real estate companies get to keep the enthusiasm high, around the “Lord” is frequent. everywhere in the land auction raised placards, almost all listed company or its holding company, which no shortage of petrochemical, textile, pharmaceutical companies and other non-real estate companies raised placards high land market. For example, Sinochem, China Light and Power Group, Legend Holdings, Haier Group, Hisense Group, Gome and so aggressively into the real estate market, that a large number of profits of the real economy starting to invest corporate profits seeking high technology low real estate “gambling” market, which can enhance China’s independent innovation capability and international competitiveness of it?
3, the high prices in the banking increased financial risk synchronization
recent years, the mortgage banking industry in China has been regarded as high-quality loan program, banks compete for this business to vicious competition and continue to lower the threshold, leading to the scale of the mortgage on real estate multiply .2009 development enterprise funding 5.7128 trillion yuan, up 44.2%. which, domestic loans, 1.1293 trillion yuan, up 48.5%; individual mortgage loans 840.3 billion yuan, an increase of 116.2%. two-phase gada 1.9696 trillion yuan, accounting for all 9.59 trillion yuan in new loans to 20%. mortgage business “thriving” prosperity Hidden behind a huge risk. If you include mortgage-related assets and the land part, dependent on the current level of national bank real estate loans 50 % of developers and some large cities on the bank credit funds has been higher than 80% dependent. bank risk increases in direct proportion with the price increase; if house prices fall, the Chinese-style “sub-prime crisis” is difficult to avoid.
(b) high interest rates can create win-win situation right?
high rates can create “win-win” benefit chain it? an “authoritative” point of view, higher prices , the developer and thus obtain a higher return on investment, have the next round of more large-scale real estate development, social housing have more effective supply; the same time, and was an area farmer was evicted because of the higher house prices, they are the ones likely to get higher compensation, the Government may have a higher income tax or land development finance; is because the Government land revenue has been higher, we can hope to invest in more large-scale urban infrastructure and urban public goods supply, so that the public benefit the whole mm this is a benign cycle; the contrary, the price is too low, will result in a loss for both sides of the vicious circle.
Is this really true? I believe the majority of thoughtful people, will denounce this view. see through the vested interests of wealth and the plunder of the secret plot, we present a basic task, which requires us to strive to learn useful China’s economic reality for modern economic theory, to refute the strong vested interests use the media spread false. these theories are not textbooks, and be scattered in a number of speeches and articles conscience among scholars.
then vested interests in the use of Which means to plunder the public do? According to my observation, these predatory means including junk currency, inflation, real estate development, state-owned enterprise monopolies, unreasonable fiscal revenue and expenditure, the stock market’s sudden wealth system, large-scale bank bad debts, natural resource destruction and environmental pollution. Currently, the Chinese urban and rural residents face the greatest risk, because two or three years after the inevitable bad loan crisis.
in real estate, government according to any changes in the urban planning to public interests as an excuse to forcibly impose, demolition, and then by means of hoarding, land sales in urban and rural residents in law belongs to the public land, and then to the monopoly of any housing development and management of developers increases, then layers of speculation pushed up real estate speculators prices. These funds rely mainly on banks of “heaven and earth great diversion,” is the use of residents in the bank’s capital, and through real estate “maneuvers\, and they name the deposit, the members renamed the vested interests of deposit. The following is a high interest rate caused by differentiation of note (see Table 1).
Table 1: High interest rates helped to differentiate
Source: On the induction order
(c) the social harm caused by the high prices
1, the high price of urban and rural consumption the future serious overdraft, severely reducing their levels of happiness and confidence in the future life
living in the era of high prices, people’s pressure too much, most people can not feel happy. “dwelling” in the hit show that high prices have kidnapped many of the Chinese people happiness, most young people earn money for a suite , abandoned due to learn, strive and achieve the desired effort.
2, severe social class differentiation, most of the wealth of urban and rural residents become losers in the game years ago, the Ministry of Finance
a survey 10% of affluent urban households accounted for 45% of all the property. This has not been seriously marginalized, including farmers, rural. China’s income distribution division, has attracted all walks of life growing hostility between the psychological and even hatred.
3, high real estate prices and the heat affected people’s mentality
speculators borrowed money in speculative real estate speculators bank doubled the year, developers use a variety of means to do with high prices to reap exorbitant profits. These acts contribute to speculative riches mentality, the mentality of too much speculative expansion of the direct reduction of the social and moral standards, make a quick profit in many industries exposed.
4, the explosive financial crisis, the risk of social unrest caused by the real estate crisis was once
detonation, the banking system may be caught in large bankruptcy, residents in the bank’s wealth destroyed, which may lead to serious social unrest. coexist with the real estate crisis, is present in each local government debt crisis. anticipated by the end of 2010 , local governments will have the overall liabilities of the banking system 13 trillion yuan. This is an almost impossible to return the debt, the debt crisis, the government would trigger a financial crisis. and a huge financial risk to coexist, is present in between the various sectors deep social contradictions, which is looking peacefulness, the phenomenon of social harmony, at any time cause the underlying causes of social unrest.
3, the face of high prices, how do we do?
(a) To facilitate the central work The focus, complete return to the livelihood of the people I want to make up
a slogan, the people’s livelihood than days! for the central case, the livelihood of the people do not put too much of any important position. to develop the people’s livelihood, should be the party and the state All of the objectives and focus.
livelihood of any society is not only the ultimate goal of economic development is only economic development, the ultimate power. in the socialist countries, industries and enterprises owned by the public there, the economy and people’s livelihood compatible, unified economic development is the promotion of people’s livelihood. However, this principle does not fit the current socialism with Chinese characteristics.
current coexistence of a variety of economic sectors, industries and the high proportion of private components concentrated in a few hands (including the state-owned enterprises serious personal purposes), leading to separation of economic development and people’s livelihood has become increasingly divided mismatch. vested interest groups use the public economic system left over “national interests above personal interests,” “land support national construction \Strategy mm This is a very dangerous development path.
real estate is a serious economic and livelihood differentiation typical for the development of the economy as an excuse, even at the expense of urban and rural living standards and levels of happiness, only to create conditions conducive Officers Promoted , land finance, real estate developers profits, vigorously enclosure; even to activate the real estate market, laissez-faire real estate speculators and unconditionally groups, international hot money speculation in real estate speculators, leading to a large number of social resources for housing, a small number of people hoarding, profiteering, murder the people of the tool; recent legal terms actually cancel the “crime of speculation\the use of these speculative hoarding of housing funds, mostly from urban and rural residents in the bank’s deposits.
(b) to denounce the high price of four crimes, to put forward our housing policy in favor of high house prices
formation, is obviously contrary to the economic and social development of the four basic principles:
1, contrary to the principle of property rights and land-public discussion of the original meaning of China’s real estate problems
need to discuss China’s land, property, people Land is used for people or for our government agencies? we all land controlled by the government, the government allocated land to the people, let people live and work, and is an essential function of government. However,herve leger dresses, the Government can not do without the use of public land, forced reselling land, pushed up land and housing prices, serious damage to the client all the people’s legitimate rights and interests mm. public ownership of land is a good thing to the real estate industry as the pillar in the economy, has become a worst way.
2, contrary to the public under the conditions of market economy principles
choose real estate in China, housing development only by real estate developers, urban residents are neither housing, housing cooperatives can not be established, it is clear violation of people are the masters of socialist countries, the basic principles, but also a violation of the public under the conditions of market economy, the basic principles of self-selection.
3, contrary to the commodity economy, the basic principle of social equity transactions
in real estate, unfair trade to larger part in it, such as the government selling land at high prices, under the guise of public interest, cheap peasant collective land acquisition; between the government and developers, government land transfer of the seller in a monopoly position, part of the land valued by the auction rules speculation as “sites\, which obviously is not fair trade.
4, contrary to private labor and social work principle of consistency
individuals or companies through their own private work, providing needed social material wealth, although Chinese developers also paid a “hard-operation” of labor, but they are not private people are willing to accept work. people want to have the right to build a house, you do not want to be replaced, but do not want the cost beyond the price higher than the self to buy housing. So the system mandatory for real estate developers to do the Party of the housing, and to obtain excess monopoly profits, the result difficult to accept people.
this end, we ask:
mm reforming the land system, prohibiting local governments reselling the land, thus preventing the formation of the “tent effect” land of vicious reaction reconstruction;
mm unified urban and rural land and housing rights to housing and urban housing in rural areas the same rights to 60 billion square meters of house property and complete vindication of the government is doing a good job and supervise the implementation of the interest of the people of rural and urban land use and construction planning, real urban-rural integration;
mm to allow residents from the housing, the establishment of the government, units, cooperatives, individual multi-housing development as the main mode;
mm vigorously building affordable housing and low-rent housing, to the harsh and local accountability of top leaders together;
mm through credit, tax, etc. means to encourage self-occupation of housing construction, purchase, crack down on housing, real estate speculators, hoarding and other speculation to the serious harm caused housing prices to promote rapid return rates and the cost of long-term stability in the self-built under.
1, strongly urged the Central Government to declare war on high prices are not government officials
the world, is the people, government officials are servants of the people, did not sound good, the people property watchdog, can not take the opportunity to steal people’s wealth. develop criticism and self-monitoring of government policies, this is a fundamental right of the people as masters. For the government, the people’s livelihood than days, and the living is the people’s livelihood paid the largest consumer. high prices are the most ferocious enemy of the people, the Government, as representatives of the people, must declare war on high prices.
I have a confident, good prevails over evil, the bubble always burst, and prices trend to most people will eventually be deflected; unless the government does not want what I have done mm forecast prices of these 2-3 years, where faith must come down substantially.
2, through voluntary action, resistance to high prices
when senior government officials repeatedly ignored the call of the people, we need to make their voices heard. This is not the war should not be to the question of high prices, but how high prices to the war! < br> Every people is part of the fight against high prices. in the face of high prices, life must continue to urge everyone not to buy Gao Jiafang, do not do the victims of high prices.
people need some spiritual the, girls in particular. not only the spirit of the girls see the boys have no training, the girls have to increase their cultivation. I saw the sign at the university school beauty of wealthy married, nearly 300 candidates in the news, I These girls are ashamed. people are not able to sell anything, this is one of the noble place; if anything can be sold, including ethics, conscience, family, flesh, this girl is of no value, worthless. < br> also the men, if a person by real estate speculators, live stock, nature of such a person is a gambler, a social Hunzi, is of no value.
prices do not fall day, the day the people’s livelihood is not implemented .. .
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