Depressed.

 Super depressed.I.

middle of the night lit with lights desperately to do the work,

crazy like a sort of a small acne long

mirror smirking to have it squeezed out

pox is pretty strong,Discount UGG boots,

squeezed out let me in tears.

finished. But it squeezed out the rebirth pox

I get needles poked it. Disappeared again

II

in a dorm

be cute dorm girls attractive

known as a friendly convenience store

not the cup, I've got this

need drugs, I've got this

detergent, I've got this

... ... ...,bailey UGG boots, can I have some.

really convenience stores, and is provided free of charge Kazakhstan

III My desk after



see her little eyes all day that Han.

confused,UGG boots clearance, really silly drops.

touched me the most is

clothes behind when others have a pen stains

my back is always clean.

hey, Xiaoyu wow thank you very much.

IV

my table at the same table after

crazy crazy day, has been laughing ha

also like to sing,

often alone in our operations

suddenly singing in the back. In fact, good to hear it.

and her painting very well, Zhou Zhou: Good.

V.

silly Orsay examination of information technology report

night test. Disturbed mind of that tangled ah.

legend, Orsay classes of students into the holiday is always less than others

die ah!

English not back. Although the job is already good.

0. 0

bewildered

VI

afternoon have to go to school

acridine test test

But ever more engaging and Kazakhstan



VII

to the typhoon, the school holiday, on Thursday to go. 8 days on a row next to it. Khan ~

Autumn Festival,UGG boots cheap, reunion haha.

eat moon cake tomorrow, shared hey.

grandmother cooked duck soup, food for thought ah

VIII

bit of conscience, and to the language slightly 

Beijing used to have heat, hot Wuzhen, because each place is so desirable to know

 Was feeling.

May be treated like the city is such a feeling, you will continue to emerge idea to run over there, look at those finest creations, carefully pondering over a better past, a person, a backpack , a camera, ... ... wearing jeans (the kind of loosely), dressed in sneakers, jerseys, casual and comfortable all the main, everything is so natural heart,UGG shoes, and perhaps this is what I want life, always so perhaps it is not realistic. occasional indulgence should be allowed,UGG bailey button, hehe ~ ~ ~ never mind free!!!

almost cut my hair yesterday, but feel like there is no reason a change! a man walk on the road, or not willing to accompany the older long hair!

remember being told such a story, in 6,7 years ago, winter weather is cold, a innocent little girl but was feeling the injury, the difference between the ideal and the reality that she can not balance, in a quarrel, she cut a sad long hair, short to the extent of their own can not imagine, when she suddenly see the light , aware of never going past the sweet time, came not long after, she decided to leave him, not because they do not love, but it is not suitable. sounds like a very funny, but the reality is so complex that to people continue to stand the challenge. the next so many years, she has not seen him once again, no matter how requirements are not met, she is not heartless, but because of the little girl it hurts too much, too heavy fall! she still can not always forget his memories he left, he told her all the better!!!

time that passes, the little girl that he should already have their own lives, should be happy, happy. years later One day, a coincidence, at a friend's wedding, they meet again, and once the scene of the dream experience and come back there, when dreams meet the embarrassment evident. not imagine the feeling, everything very natural, even a very warm feeling, like an old friend like. Because the boy is still very attentive, a little girl decided to leave the banquet, hard to say why? Some people may ask, since each other frankly why should avoid it? WHO KNOW? left soon after, he gave her phone, concern remains, does not seem to respond to a brief pause, he added, cry, cry all who might encounter, but she had no hesitation replied The little girl cried even more fierce, and she was very clear that he said is true, but it is always very helpless, because at this time she and her current boyfriend is a sensitive period of the Cold War, this time before an know how much she cares about now he, unfortunately now they are really too much like the past, and a strange feeling of pain there, and she did not seem fair,UGG boots, why now he just can not understand her heart, her heart knows it??! the stubborn personality, she was more determined to own at this moment she could no longer deceive ourselves, because she really love him ... ...

very common common story, and everyone more or less may be fortunate enough to experience all, but unfortunately the party is always confusing,UGG boots clearance, as the story current boyfriend small girl (maybe longer), he said he loved her, but could not understand, appreciate, cherish her presence, and perhaps lose She will feel better now! how the past experience of regret for him to be futile, because already the past tense, LET'S BY GONE BY GONE!!!

First of all you crab pot in cold water

 They will feel back to the lake, oblivious to the danger. Then, under the heavy lid cover, and fired. At this time, you can hear them scratching sound of the pot wall, began to light, and then struggling, and then light, then died down after the. A few minutes later, you open the lid, has become a golden crab. At this time, you can with vinegar ginger, enjoy delicious.

now, China's real estate people are like crabs in a pot of cold water. They feel good, it will stretch my legs from time to time. Do not see any danger. As everyone knows, they have been covered with lid, the following points on the fire. Soon to be cooked, but not yet discovered.

April of this year, I told readers of the property market bubble about to burst, it will inform you. Now, the property market has peaked. Time in the rest of the year, it will gradually decline. By 2012, the RMB appreciation is expected to be reversed, capital will flow, when the property market will accelerate the decline.

China has entered the real estate bear market will last five years. Large cities, the average price is likely to fall more than half. Land prices will drop more. The largest and most crazy bubble Zhejiang Province, prices could fall 80% or even more.

wages and rents

Why house prices will fall so much? when the bubble deflated, when wages and prices must fall to the level of investment income can support. In China's real estate market, now rental rate of return less than 3%, it must return more than 5%, while the unit price per square meter should not exceed two months, the average wage.

the bubble period, the accuracy of assertions is an art market at the top. Follow the trend of investment in human weakness foam booster, the total time to wake up to the last. Low tide is usually the bubble burst triggered by capital. Sometimes, excess supply will be more than speculative demand, enough to scare off speculators. Most of the bubble is suddenly broken. But there is a gradual leakage of individual bubbles.

1997, the withdrawal of foreign funds pushing up interest rates, leading Hong Kong property market bubble burst, instantly, absorption of all funds of this casino. The Internet bubble burst in 2000, because those shareholders of listed companies limit sales of shares in the hands of large-scale sell-off just after that, woke up speculators. The U.S. housing bubble burst in 2007, because the sub-prime due, that is not on the speculators money.

gradually discouraged

discourage real estate bubble can last for many years. 90 20th century, the Nikkei 225 Stock Average crash, the Japanese property bubble has inflated for two years. And it is not vanished in a moment, but in the subsequent two decades, to about 8% per year decline. Taiwan under Japanese influence,Bailey UGG boots, house prices are also slow down, until the recovery of China's frenzied real estate market speculators.

1998, China's real estate bubble has burst. Three years, the Shanghai housing prices fell by two thirds. Guangdong and Hainan residential flats everywhere. More recently speaking, housing prices in Shanghai from May 2005 to the end of 2006 fell by one third. Many commercial real estate and even dropped by half.

the bubble began in 2007 and now, by the loose monetary policy and the appreciation of the renminbi expected birth, I thought, it also shattered in an instant. However, recent developments changed my point of view. The bursting of the bubble may not be instantaneous, but will gradually be discouraged. Before, I thought the Government may relax the macro-control in the fourth quarter, leading to skyrocketing housing prices once the bubble in the second half of 2011 or 2012, a sudden burst.



that the government still did not relax lending restrictions or three suites. That most potential home buyers by the control, in fact,Discount UGG boots, these home buyers do not have enough cash, and mainly rely on loans to buy a house, therefore, not a higher level of house prices.

addition to the credit policy, liquidity is also tightened. RMB exchange rate is like a After years of waiting, do not see the Although the United States once again speak out Geithner yuan is undervalued, but the market which has been numb. RMB NDF market does not expect significant appreciation of the RMB in the next year.

this hot money flowing into China a great impact. Deposits become increasingly competitive industry. Financial products provided by banks is very much like deposits, but interest rates than the central bank offered higher interest provisions.

recession?

Now China's real estate prices are slowly falling and the pace will accelerate in 2012, when China's economy will be frustrated. The next decade, exports, consumption and infrastructure will be 7% -8% growth rate. Compared with recent years, this growth is relatively slow, but it is more beneficial to improve wages and family living standards and corporate profits.

Chinese people can not use home equity loans to spend. More than 2000 million heads of households were vacant rooms will be getting poorer, or bankruptcy. Sales of luxury cars may also be reduced. But the middle class with more purchasing power because they buy from the speculators, where the cost will be reduced.

real estate bubble deflated in order to prevent an impact on other investments, the Government must quickly to recapitalize banks. Government has sufficient financial resources and intellectual to do so. In the past decade, China has a strong property market and weak consumption. The next decade, the situation may be just the opposite.

before the property market control measures are known as Seeing the market regulation will also become

Shanghai Municipal Government on August 7th batch of the Shanghai Municipal Housing Authority, housing support five departments copy number of qualified buyers within the household, the tentative Shanghai and other provinces and Shanghai residents can only purchase a set of new commodity housing (including second-hand stock of housing),UGG boots, property tax reform and actively making all the preparations, according to the different housing selling price of land value increment tax 预征 rate.

Some experts think that control rules from the Shanghai property market can be seen, the market regulation is not something new, the basic policy measures along the learning of the original tone, that only the original Specifications and additional policies and measures to repair the original parts closely enough, emphasizing the rigidity of the implementation of control policies. These control measures, for the developer behavior, have a role in inhibition of speculation, but the prices return to the rational function is indirect. In the long term, the situation is still not optimistic, as long as housing prices continue to rise at a high level, speculation still difficult to suppress, to achieve the healthy development of China's property market long way to go.

can see, this is not the first loud noise to fall boots, but is the result of the repair coating. Therefore, the public's attention focused on the other one could fall boots - property taxes.

eve of National Day, the relevant state ministries and once again made it clear that the state will speed up property tax reform,bailey UGG boots, and gradually expand to the country. E-House Real Estate Institute of Integrated Research Department Bo Yang Hongxu revealed even in the micro, Shanghai, Shenzhen, real estate tax has been approved, the tax rate is 0.3% -0.4%. Although Yang Hongxu said later, real estate tax rate is only speculation, This is industry speculation earlier property tax rate of 0.3% -0.4% consistent. If so calculated that, should the house purchase price was 220 million, 0.4% of the property tax rate would mean a year need to pay 8,800 yuan. (PRC)

the news that Shanghai has entered the Also said in Shanghai, is actively promoting the introduction of property tax related work.

real estate tax tax, object, property tax rates low, property tax base is fixed or floating point, and has become a hot topic in public.

been said, the levy of property taxes may be unrelated to the housing market, the Chinese economy is facing a crisis phase of the reflection is initiatives. It is said that property taxes for the rich, it may drop in the bucket, but there is room for the poor to be fatal. Some people say that when the Government to abolish property taxes, the introduction of various

some experts, the developers are relatively much more realistic point of view, they think the problem is not China real estate property tax is the last straw. Pan Shiyi, chairman of SOHO China, believes that once the property tax and property tax levy, impact on the market will be very large. However, deputy director of the Institute of Fiscal Science, the tax experts and other authoritative Liu Shangxi property taxes if it leads to lower prices skeptical, The role is fuel.

how effective is the regulation of the property market, so far without any reason for optimism. From the history of the Chinese property market, housing prices continued regulation is irrational continuously soaring. From the current perspective, the New Deal during the National Day after the launch of the Shenzhen property hot property market anomalies, appears to expose the historical scars, each time falling market regulation boots, without exception, hit in the head of innocent people, and past interest control group is always time and time again to get more benefits.

Why do this? There is no doubt the problem lies in regulation purposes.

year, Du law clearly want to invent Now, the property control of the This is also in the Chinese model, worthy of letters of the chapter.

Beginning in October 2009 Niece

 The same year in November deleted the file and the beta closed beta.

Jingwu Church is a community-PK games, no download required. Can practice, contest, learning skills, purchase equipment, gang membership, etc., will be introduced later team PK, the world's propaganda and so on.

[Edit this paragraph]

property Pian

Raiders game per level will then be three potential points available for distribution, you can add in, physical (blood) , intelligence (qi), strength (damage), endurance (defense), Agility (speed), these five.

physical (blood): to measure the key attributes of the contest winner, who lost the blood of the first zero of this contest.

Intelligence (qi): the equivalent of magic, and the skill of the key attributes, skills, to see whether the normal use of the main essence is adequate.

strength (damage): the equivalent of attacks, damage the higher the contest off when more blood can cause opponents.

endurance (Defense): Defense can reduce the opponent's damage to the small reduction in blood.

agility (speed): the contest to decide who shot the course of the key attributes.

These are Jin Wu Tang overview of five properties in the game, how to add a little (property) has been troubled by the Friends of the many friends, here are several I recommend you add a point:

① the first power of one plus two plus two force a sensitive, and so on.

② force the first one plus two plus two force a sensitive,Bailey UGG boots, plus three forces, and so on.

③ a first blood against a sensitive one, and again force, and so on.

I recommend the above three plus the main point method, these three methods are guaranteed to add a little body, power, sensitivity, to ensure that the blood, speed and high attack, the contest will not be a passive process. As to why the three methods do not add add a little essence, personal feeling is not necessary, since the high level of refined gas is sufficient to use the skills (gas). In addition, you can choose from the additional precision equipment gas equipment, but also a small amount of additional fine. Want to change the points have been added, you can upgrade from a Canadian point in the future remedy, you can also choose to select the appropriate property and equipment when the equipment.

add a point to be controversial: full afterburner, the whole Carmen, All-Canadian body, these three additions.

full afterburner: If you wait until the high-grade, combined with the skills, equipment use. Little effort as blood gas, low agility will be a beating victim, although the strike to give opponents a lot of damage, but will eventually be the loser.

All Carmen: will defeat this little explanation.

All-Canadian body: the same would be disastrous. Only account for a large advantage on the blood, there is no attack, even if it is also used as Xiaoxiang Jian Yu tickle to the opponent. Skills sub-chapter

game ** | Attack | secondary | special | three categories. A total of fifteen skills to learn, can learn the skills of our own for the eleven, but due to the system default login learned suction star power law, so we can selectively study ten skills. How to win in the contest, to learn skills is important, to everyone's advice is to learn:

Sword-one skills, skills in view the effect of these descriptions have to say,

why not choose the This is because these two skills in the course of the contest are not much in real terms, but will waste a round. Or even are out for several rounds of such skills, and not an attack. Therefore, the skills for as little as possible not to attack science, so as not to contest the course of several rounds of such skills is always there, which led to the final contest of failure. Posts

equipment consists of hand-held equipment, wearing, wearing, wearing, wearing, five categories

hand, the Lord will hurt, www.lzgfz.com;

wearing, the main Canadian defense;

wearing, the main Canadian defense;

wearing, the main acceleration;

wear, the main increase blood gas.

how to choose the equipment is also a Friends of the Friends of the problems that most people in pursuit of high blood containers, each piece of equipment increases blood choose the. In actual fact, we do not just rely on equipment, we need to combine the plus points to select their own equipment. For example, when the damage plus add a little less, we can choose the equipment to make up for the high attack. Low defense, you can also choose from the equipment plus defense equipment, other property, too. Equipped with additional points, and finally to their own properties to achieve their desired state. Posts

physical practice and the contest is a fine military court of two necessary means to gain experience. These two methods have to waste a certain strength, a ten physical contest, the first eight p.m. physical practice, but practice time is a contest of two compared to the experience of the times. If the contest failed, experience less. So many people tend to practice. Therefore, I will tell you some test data:

1, the same level, same time practice the experience gained is for certain.

2, a different level, practicing the same time, more than the experience of high level, and vice versa with little experience.

3, the experience of practice per minute is fixed (more than five minutes), that practice thirty minutes + practice = practice twenty minutes and fifty minutes (same level).

4, practicing every minute to get a skill point (five minutes), regardless of how high level, get some practice skill points per minute, it continues to be the first Chinese Internet.

on the lessons learned:

① draw the same level, and practice the same time get the same experience!

② draw the same level of practice longer, the more experience; practice a short time, have less experience sucked!

③ absorb different levels of practitioners (practice time for the same), the lessons of high rank in many low-level smoke less!

④ lessons to be sucked by the number and level, the duration of a relationship practice!

⑤ Finally, the experience gained from practice to be friends + experience = you take away the experience of the practice.

on harassment:

harassment is harassment of the time from treatment to play every minute this time the experience of loss of XX%, if treated in time (one minute) to avoid responsibility for the experience loss. If you are practicing friends to harass, you just get some experience of it. Your friends,UGG boots cheap, if better treatment in a timely manner, if no time to treatment, which wastes a lot of experience. Therefore, we try not to let us experience some loss of more experienced friends. Instead, we see that ring true when friends have blood under the wound treatment might help to avoid the loss of friends experience.

harassment on the case was not there blood flow, and possessed by the devil and other shape. Is a normal phenomenon, there is a reason may be due to PK you practice the process of being created, and the other reason is that your own blood will not ring true phenomenon occurred. (Reality TV in the case of cultivation also appear obsessed)

[Edit this paragraph]

forging equipment and price list of materials needed for the following forged material in the absence of explanatory notes are available through a special contest access to, some can be purchased directly at the store.

【Yiu Hitomi costumes (30)】

Yiu pupil costumes Figure × 1 (150 ingots)

five other cotton × 1 (50 ingot)

polyandrum line × 3 (only contest be, shops without the sale)

【Song Wen Jian (30)】

Wen Jian Song Chart × 1 (150 ingots) < br>
Song Jian Wen model × 1 (50 ingot)

fine iron × 3 (only contest be, shops without the sale)

【disease impact flash towel (30) flash video】

disease towel Figure × 1 (100 ingots)

ordinary silk × 1 (50 ingot)

white gauze × 2 (only contest be, the store no sale)

【ingrown toenails Boots (30)】

ingrown toenails boots Fig × 1 (100 ingots)

ordinary leather × 1 (50 ingot)

crude iron × 3 (only contest be, shops without the sale)

【Zhuge Soul (30)】

Zhuge Soul Chart × 1 (150 ingots)

Fluff Fur × 1 (50 ingot)

Charcoal × 2 (only contest be, shops without the sale)

【Jian Feng Ling (40)】

Feng Ling Jian Fig × 1 (150 ingots)

Jian Feng Ling mode × 1 (50 ingot)

steel × 3 (only contest be, the store no sale)

【nether sweater (40)】

nether sweater Fig × 1 (150 ingots)

four other cotton × 1 (50 ingot)
< br> bamboo silk × 3 (only contest be, shops without the sale)

【white scales or bands (40)】

white scales made with Fig × 1 (100 ingots) < br>
white scales × 1 (50 ingot)

white gauze × 2 (only contest be, shops without the sale)

【deer leather boots (40)】

deer boots Fig × 1 (100 ingots)

deerskin × 1 (50 ingot)

Jute line × 2 (only contest be, shops without the sale)

【emerald necklace (40)】

emerald necklace Fig × 1 (150 ingots)

Jade × 1 (50 ingot)

× 2 fiber rope (only contest be, shops without the sale)

【passing of the sword (50)】

streamer Sword Figure × 1 (200 ingots)

passing of the sword mode × 1 (100 ingots)

cold stone × 3 (only contest be, shops without the sale)

【Tsang on thin clothing (50)】

Tsang map on thin clothing × 1 (200 ingots)

third cotton × 1 (100 ingots)

nylon line × 3 (only contest be, shops without the sale)

【Kirin crown ( 50)】

Kylin Crown Figure × 1 (150 ingots)

Kirin fire × 1 (100 ingots)

white × 2 (only contest be, the store no sale)

【Tigers Boots (50)】

Tigers boots Fig × 1 (150 ingots)

tiger skin × 1 (100 ingots)

linen × 2 (only contest be, shops without the sale)

【Dragon Belt (50)】

dragon belt diagram × 1 (200 ingots)
< br> plush fur × 1 (100 ingots)

quartz × 2 (only contest be, shops without the sale)

[Edit this paragraph] property articles】

After one level there will be three potential points available for distribution, can be added, physical (blood), mental (qi), strength (damage), endurance (defense), Agility (speed), these five

physical (blood), measure the key attributes of the contest winner, who lost the blood of the first zero of this contests

Intelligence (qi), the equivalent of magic? gown eyebrow Send Susan Chan Cemetery Dian Qian lettuce that sold bath ⒓ Send J gown garment Chun Tu Mi gluttonous less stays perverse?

strength of (injury), the equivalent of attack, the higher the injury, when the contest out of the blood can cause opponents more < br>
endurance (defense), defensive opponents can reduce the damage to a small reduction in blood

agility (speed), during the contest to decide who shot over the key attributes

Wu Tang is a fine overview of five properties in the game, how to add a little (property) has been troubled by the Friends of the many friends, here are several I recommend you add a point:

① before adding two force one, then one plus two force sensitive, and so on,

② the first one plus two forces, coupled with a sensitive two forces, together with three power, and so on,

③ a first for a blood anti-a Min, repeatedly force, so the cycle

recommend the above three plus my main point method, these three methods are guaranteed to add a little body, power,bailey UGG boots, sensitivity, to ensure that the blood, speed and high attack, during the contest not in a passive way as to why the three did not add add a little essence, personal feeling is not necessary, since the high level of refined gas is sufficient to use the skills (tying three clear film, a dragnet with no refined gas), also available from Select to add precision equipment, gas equipment]: can also add a small amount of fine, want to change the points have been added, you can upgrade from a Canadian point in the future remedy, you can also choose to select the appropriate property and equipment when the equipment,
< br> Add a point to be controversial: full afterburner, the whole Carmen, All-Canadian body, these three additions,,, full afterburner, if you wait until high-grade, combined with the skills, equipment use, to the blood less agile low will be a beating victim, although the strike to give opponents a lot of damage, but will eventually be the loser,,,, all Carmen, will defeat this little explanation,,, All-Canadian body, equally disastrous, just angry Blood on the account for a significant advantage, not attack, even if it is also used as Jian Yu Xiaoxiang to tickle

2010-3-5 18:13 opponents back

a 0 fans 2nd Floor

articles】 【skill points

game ** | Attack | secondary | special | three categories, a total of fifteen skills to learn, can learn the skills of our own for the eleven, but due to the system default login exercises to learn to sip stars, so we can selectively study the ten skills, how to win in the contest, to learn skills is important, to everyone's advice is to learn:

Miaoshouhuichun, tied three clear film, one sword one, Xiaoxiang Jian Yu, (select study looked Gas Lang),

these skills play a key role in the contest, you can go to the skill See description of the effect of these skills, have to say Xiaoxiang Jian Yu, not shot already, one shot will make opponents more than half of blood loss, or even spike,

why no choice for body care Admiralty , five cases of such skills Soul Returning, which is due, these two skills in the course of the contest are not much in real terms, but will waste a turn, or even are out for several rounds of such skills, and not an attack So, do not attack skills for school as little as possible, so as not to contest the process of several rounds of such skills is always there, which led to the final contest of failure

2010-3-5 18:13 Reply
< br> a 0 fans

【3 floor】

articles and equipment consists of hand-held equipment, wearing, wearing, wearing, wearing, carrying five categories

, the main plus injury; wearing, the main Canadian defense; wearing, the main Canadian defense; wearing, the main acceleration; wear, the main increase blood gas, how to choose the equipment is also a Friends of the Friends of the problems that most people seek is loaded with high blood Each piece of equipment increases blood choose, and it is not true, we do not just rely on equipment, we need to combine the plus points to select their own equipment, for example, add a little less when the damage increases, we can choose the equipment to make up for high attack, low defense, you can also choose from the equipment plus defense equipment, other attributes, too, equipped with additional points,UGG bailey button, and finally to achieve their own ideal state property

2010-3-5 18:14 Reply

a 0 fans, 4th Floor, Building



5 articles】 【

physical practice and the contest is to gain experience Jing Wu Tang necessary means of two These two methods have to waste a certain strength, a ten physical contest, the first eight p.m. physical practice, but the practice compared to the first contest of the two experience a hundred times, if the contest fails, experience less, so the trend there were many practitioners, so I will tell you some test data:

1, the same level, the same practice time to get experience is certain,

2, a different level of practice the same time, the experience of multi-level high, and vice versa with little experience,

3, the experience of practice per minute is fixed (more than five minutes), that practice thirty minutes + practice = practice twenty minutes and fifty minutes (same level)

4, practicing every minute to get a skill point (five minutes), regardless of how high level, get some practice skill points per minute,

on the lessons learned:

① draw the same level, and practice the same time get the same experience!

② draw the same level of practice longer, experience more, practicing a short time, have less experience sucked!

③ absorb different levels of practitioners (practice time for the same), the lessons of high rank in many low-level smoke less!

④ lessons to be sucked by the number and level, the duration of a relationship practice!

⑤ Finally, the experience gained from practice to be friends + experience = you take away the experience of the practice of harassment

:

harassment is played from the time of harassment treatment of this time loss of XX% per minute of the experience, if treated in time (one minute) to avoid responsibility for the loss of experience, if you are practicing friends to harass, you just simply get some experience on your friends, if better treatment in a timely manner, if no time to treatment, which wastes a lot of experience, so we try not to let us experience some loss of more experienced friends, on the contrary, we see not ring true when friends have blood under the wound treatment might help to avoid the loss of friends experience,

harassment on the case was not there blood flow, and obsessions and other symptoms: a normal phenomenon, there is a species is probably due to the process in your practice caused by PK, the other reason is that your own blood will not ring true phenomenon occurred (reality TV obsessed will appear in the case of practitioners) 

A person in this refreshing

 Heart air calm,cheap UGG boots, confidant situation prior to the expiration, the party can really taste the taste of tea. Products to be quiet because the tea, and wine be fun. Tea for objects, performance, life leads us into a world of meditation. If the time of tea beside the crying child, or woman in the rough beside the loud stupid or pretentious talk about affairs of state in the next high, that is very disappointed, as also to tea on rainy days or cloudy days as the bad. Because tea must be a weather Seimei's early morning, when the mountain air is very fresh, the fragrance of dew when remaining in leaves, the tea party,UGG boots cheap, said adopted top grade. By Taoist survive to nature and the universe of all who claim blend of yin and yang, heaven and earth in the night dew and it is the essence of post-melting. Others believe the dew is still fresh and mysterious nectar, drink that can cause wild desire longevity. Hunt said if the snow is right, he said; 『tea is always the intelligent people drink』. But the Chinese went a step further, and using it as elegance hermit's treasures.

Therefore, tea is the earthly symbol of purity, so it is only in the eyes and hearts and no idea of splendid prosperity in the time,UGG boots clearance, you will really enjoy it. And prostitutes and music, of course, is to use wine instead of tea. However, if a prostitute has the qualifications of tea,UGGs, then she can be welcomed by scholars awarded by the poet of the Miao people out of children. Beauty Yu Su Zeng Yi tea, another word on the house, The narrow waist 『will face if the peach, gold sales should be very exclusion of the mantle in my Tanzanite』 said no vulgar; 『drinking, forget the noise, that can be non-paste Liang Wan Yee language. 』

Also, according to』So if you want to appreciate these qualities are not many friends drinking tea, because tea less for your customer. Off all the noise, lack of noise the elegance carry on. So-called: single sip said quiet; two wins off saying; four said interest; five or six said pan; seven said Shi. Again, he said: the first bubble, such as a twelve or a girl, the second bubble is twenty-eight Love girl, and the third is a young woman was already soaked. By theoretically speaking, the third of the tea connoisseurs recognized as non-complex drink, but in fact, is enjoying this 』『 young woman who is still a lot. Fan of this all, too numerous to mention, to study the fine, will be poor and their students carry on.

Adhere to the well-intentioned, constructive

 Go as far as the way

----- Comment Zhao Liwen's Leven is a remarkable number of Shaanxi photography. There are two intermittent, Ruoyouruowu can comb the main line.

one is a collection of loose, the origin is a beautiful, romantic pursuit of the freedom of the visual art collection of the radius of each other unreasonable complain, fighting each other. One is a collection of compact, is based on the local, ongoing political backlash, continued to promote its core photography revolution, with some basic features of photographic genres, the mid-1980s to the development and expansion of the late 1990s, years of silence before and after the turn of the century, near extinction in 2005, has recovered after the potential. Shaanxi both models photographers were constantly formatting, type, flat. Little alternative out of these two models, Zhao Liwen is such a lucky person.

1968 born Zhao Liwen, picked up a camera at the age of 16, kept open by his father Zhao Xiuhua, photographer Pankow attunement. Over 42-year-old living in his little time within the system, most of the time living in the camera, claiming to be a freelance writer and art workers. Strictly speaking, Zhao Liwen 20 years of photographic practice, more affected by the Shaanxi groups, which groups of natural and Pankow is a member of Shaanxi are stakeholders, but more understanding of his own photography, tend to record . However, very fortunately, he has not been Shaanxi group

cite two cases. November 2009 Zhao Liwen published a attention and records, of which a considerable number of photos taken inside the room and the courtyard, in part by the photographer is Zhao Liwen a named friend. Shaanxi was shot mostly in local groups and folk, much of the city studied under image. We know that martial arts Hu, Hou Dengke, Qiu Xiaoming three joint film Are generally nameless, almost no home photography. Comparing the two records of Xi'an Zhao Liwen lot earlier, but seem to be more generous.

Also, the already available from the works of Zhao Liwen of view, there are a great many records of his subjectivity and the concept of color. For example, this group of Regression observed Zhao Liwen the 1980s, the 1990s image, this model is still to face the camera has always existed, the same strain. This means that there are very subjective, and very different style of Shaanxi groups.

Zhao Liwen fish like a photograph, in Shaanxi, terraced rice paddies in the landscape between the street wandering, seemed very awkward, very difficult, is very tricky, very comfortable. Because these clumsy, difficult, tricky, nice, 20 years later, many people are silent in Shaanxi photography, he surfaced in their own strength to strength, and more significant.

I know, Zhao Liwen shooting the group Yan Gang, together with. So they work between the content of the film is very repetitive and, of course, I also found between the observed and expression of their differences. Like the more advanced material and cultural community, people will reduce the difference between the physical level, the greater the difference in the spiritual level, as in today's information over the age of photographic subject matter less and less difference, and we can place More promising is the increasing differentiation of the same content, observation and performance differential.

Also, hermits practice the emphasis is on In Eastern cultures, there is everything to pursue a shortcut of the complex, so entangled in the pursuit of thousands of people a shortcut is to go the nearest road. So, we see a lot of text about photography, is teaching people how to find shortcuts, how to take shortcuts. In fact, this is the level of stay in operation, not about the road.

photography can be very important to the individual way of life, quality of life can also be made into a lucrative practice, but in the 21st century that these are outdated, but also luxury. Chinese culture has been a very strong cultural tradition of hermits, but also has been no respect for the cultural tradition of hermits. A hermit cultural traditions, is that thousands of years people have been Hermits have no respect for cultural traditions is to say, two thousand years of Chinese culture is Confucianism, Buddhism, Taoism has always been a mix of culture, of which the talents were official For example, so-called

mean that Zhao Liwen very shot, Objective point of view, in the Red Zhongnanshan people in the escape, hundreds of years has been an endless stream. Quite a few of them really want to Hermitage, practice. And the moment, this group is still more than trend. Red Dust in the life of the great faith and between, there is always some old enmity, which need to eliminate long-term practice! And the only way to overhaul the way to go furthest, have forced ourselves into the ascetic rejection of all shortcuts.

However, Red is indeed difficult to block, photographers fear long and arduous journey. The lives of practitioners is because there are gaps, will require faith and fill, the photographer's life is because of the persistent need to go as far as road, watching the scenery all over the world people, so that inner and fulfilling! In this sense, Zhao Liwen's

For true artists, life seemed to have a big gap, always has been filled with dreams and passion. Paradigm is the closest any other person even if the expression of the nature of the image can not the master of your own life, you should stick to only allow images to make your life more exciting, more peaceful mind, to see this through the lens things in the world is more pure, dedicated to the world you find and experience only. From this perspective, form than content, stick to go beyond search. Individual expression and personal discovery as important, more important is the long held their own, Zhao Liwen has insisted for 20 years, in fact, is not enough, there is further to go.

(article published in the Xi'an eighties living according to the new wells are found, shock, I thought the eighties simply be called a sense of China's urban images He insisted for four consecutive years 1985-1989 the lens at all aspects of urban secular life, persistent focus on a theme to the point that actually has really rare exceptions, it can not be said to be a miracle. Photographs, though not the merits of the standard volume on the set, but placed in the eighties when the real world of photography in China to examine the background, we will understand and recognize ---- we are very concerned about the photographic film, related costs of supplies and even eighties, we begin with the Who? Moreover, Zhao Liwen of these photos in the framing, composition, instant control and so is a simple temperament, photographic technique and subject matter complement each other,Bailey UGG boots, and must not favor the kind of composition for the composition and the pursuit of art or intent to shoot up the formalism, This is different from many of the eighties for the United States requesting different images on the composition of those.

Annex 2:

the principle of heritage

Pankow

that was in the late 1980s, I , a friend of his son to Zhao to me and say that this baby love photography, so I Great I was 10 years old Zhao, Zhao Liwen my son than he is 10 years old, as my brother Zhao, Xiao Zhao as my big brother, which might be a the saying goes.

Zhao Liwen film for children and tenacity, to be able to eat hard, when they do not have much temptation, so heart so still down. He often came to me the newspaper, asking questions of quite eager to learn. Han Han looked at me he loved to laugh, most of the time is listening I say, Then the U.S. turned my The mid-80s, is what I am determined to be a good reporter's time, my idol is Eugene. Smith. Hu added that season along with martial arts, Houdeng Ke, who is Huan endure, I boldly advocated I own 70 late in the Painting of the muddy water once in several years, thanks to experienced martial arts, Laohou come across before, so I and testified against Levine went to shoot those flowers and plants.

either before or after the Cultural Revolution Cultural Revolution, Chinese photography is too far away from real life, not pretentious preaching is dry, fresh style and a living soul. I encourage people to shoot live Leven lens, this is for him to do, he smiled that Han Han is the best communication tool. This kid is very hard, patting patting, humble string together the daily life of children there to see the head. I found immediately to help highlight some of the group that he edited and published in my chair the See them drive greater results Gilman, a time to run around the streets in Xi'an. I told him, though you are not journalists, but you also have advantages. Reporters keep thinking the job done, there are articles every day drives in the back, hard to focus on one topic for a long time. And you could not Guanci, it is free and can focus on one topic for a long time, this is your challenge to the strengths of professional journalists.

positive publicity from the grand narrative (including general praise of the rivers, mountains) with the camera turned to the daily lives of ordinary people reflection, keen memory of secular per phase, in such a thought, the objectivity of the camera effectively 60-70 Age-specific rejection of the political themes, but also rejected the so-called art of hypocritical, and will make up for the photographer's artistic accomplishments and lack of cultural insight. Levine's film was very simple, not the lens play tricks, no tricky point of view of non-normal daily life. I believe that respect for the instincts coupled with the objectivity of photography is to guide the way the color works, especially the photographic record of the class. This means an important function of photography is to give evidence, when Levine is the best choice for simple peace and the daily lives of the people to testify in Xi'an. Years of change, everything is life and death, times than anyone else, Xi'an to see the last century's well Taipei, Levine can not bypass the photos. In a few decades, hundreds of years it may really have a few

but principled cultural relics.

example, the timing, the general view is to create time and appreciate the greater the distance of time more valuable. Many cultural relics to surprise them when the manufacturer, has already passed away, then appraise their own people. Today was also able to endure no cheering days? Furthermore, the specific manufacturing heritage is also very important time, and now the Chinese people to their work to the premise of shooting time, which confused the heritage of true information, worthy of attention. One of the characteristics of photography cutting time, and thus become part of the lens corresponding to the spatial and temporal evidence. To produce meaningful work that, in general, there are several ways a person or scene is a rare shot, because the rare and precious. One is original,bailey UGG boots, because the photographer's vision and remarkable strength. There is also a persistent attention to certain aspects. Leven is taking the latter path, the path from the requirements of speaking, the photographer can adhere to the maximum time span of the most important thing. Not two or three years, five or six years is not normal, a color or two decades, decades of unremitting shooting before into you. Quick success can only counterfeiting. Another example

the importance of heritage to carry more information of that era, the age can be as important or important events to testify. Leven value is 80 photos of the late and early 90's is the critical years of transition in China, and his work for that time daily life in Xi'an the people's memory of the details of the objective, became the entry point for people watching. This is a different place and painting, because painting is not the objective existence of a strong memory of the details of its decision and photography is far from female and male. Daily life is dull and magnificent things complementary situation of the times, so important does not mean that significant.

body ornamental value and photography. Photography skill and accomplishment there, this is the photographer to use effort and talent to pursue the things in today's fickle photographer for the quick success of many believers, body photography can be absorbed in pondering it? When we see the classic heritage feel the power of a gas field in awe to attract you to it, one factor is the ancient calm the mind, a way the ancients stubborn to be able to go black. This is the modern word that the

worse, there are rare, Wen rare. The problem is how to become a rare photo digital age? Xian Lee shot on the day of the camera has not spread in the community. Sweeping the streets are very public today, how do you use your terms to make it into the rare? Determine the times our eyes hidden in the dazzling of the Admiralty, a large LV.

Leven's a very good intuition, but also noted the character's personality and grasp of narrative plot, which is commendable for the performance of everyday life. Carpet bombing in the present picture of the situation, I can shoot him, Although in the world to see, what is far from how to make a film important, but there were also important topics for Zhao Liwen. Maybe this would prevent him to observe the object in depth, in-depth analysis of their own, after all, the documentary-style photography reported a group of people scratch too deep, and long-standing system of life is not to shoot well in Xi'an reported photography as usual, so ordinary people will choose to give up some time after shooting, to off is considered a rare. I wonder if he is no longer the subject comes down to subject matter, not directly by the subjects thought the use of these films, what would it be the result? I read with him and Peng Xiangjie caravan group photo taken, how he pulled his language with images from Peng?

current spiritual forces are submerged in the sea of goods, the poor scared all the temptations the Chinese people have cherished for the fascination. Moreover, also in crazy world, globalization, China to show the crazy side, to show the side of ignorance,UGG shoes, to show dead side. Must also show the wisdom of the side, to show our hearts are warm side. Living in such an environment, the temptation to joint traps, false coverage of real life. Photography gives us a lot of possible, currently we have developed nearly enough. Photography inspired many potential human potential, the Chinese developed more is not enough. In China, people have unconsciously into the beautiful photography of the track, when Gilman worthy of his love of photography the day, he used this book makes me happy. 
1968 free photography was born in the ancient city of Xi'an, documentary photography in 1989, started to pay attention, mainly in the lower coverage of social,

attention to marginalized vulnerable groups, in recent years to capture the main theme of the city. 

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A Grand Canyon in the mountains where there is a special mysterious group, they are the wild apple

 If family. Wild Apple family when stationed in the Grand Canyon, and reproduction in the Grand Canyon in the number of generations, all this has been impossible to pursue a. Now the only thing we know is that this group of existing wild apple trees, the oldest of several hundred years old, it is the most growth in the canyon quiet corner inside the grandfather of wild apple trees!

good weather that day, wild apple trees are drinking enough nutrients, nothing better to rumble in the chat. If your foreign language skills good enough, and even learned to In comparing the growth of the small tree outside Fanfan said: Fanfan around the trees and the wild apple tree it is the same age Fanfan know why the regret. Mr. Fanfan starling population, is a smallish, not very beautiful feathers of starlings birds, it was called the Mynah. It is said that starlings can learn human language. Long ago, this starling birds beep to come to this valley, because it may not look outstanding, it is not surprising, therefore no group in the starling position. Dudu first came to this valley, when Fanfan is sleeping in the arms, that night, it gives Fanfan said a lot of things in the human world to see. Fanfan suddenly been attracted to toot about things. Beep after the flight the next day, the Fanfan's heart away. Fanfan always thought to myself, if they are like a pair of wings like a beep, then your own can also fly to the human world to see in the end cars look like, what is something tall, ships are not the devil will be issued the same sound. Fanfan's thinking this way every day, thinking, and my heart beep constantly looking forward to coming again, and then tell it to something more interesting to the outside world.

(b) of Fanfan's dream

beep again yesterday, it also can not help a bit in my heart like this piece of wild apple forests, especially like Fanfan Fanfan was the first because it is full of worship friends, is the first to listen to it so seriously speaking friends, although different types of birds, trees, but humans are not said to you, friendship without borders! TMD really too clever man, and said words are true sense. Fanfan keep asking toot: the prisoners, I've only seen the pigs to walk, walking really heard of the apples, and you This is not difficult to write this article, is the brother? write one if he will walk apple trees, do not curse roundly by others, he's already without it, managed to save a few did not throw a brick at supporters of his work, you do not add to the trouble of him. This is so unfair, so how can you fly around, and I can not everywhere walking up? When the land captured it here. Fanfan was it a heart away. After the beep came, Fanfan has been nagging the

since the beginning, Fanfan to continue to fantasize about some day to really bear golden apples, like a beep that it can travel around the around the world. Ah ah want to think it, do not drink do not want to sleep, when the other brothers and sisters are hard to eat and drink in the nutrients, when a long tall, Fanfan was losing weight, skinny yellow leaves begin to dry. Finally one day, my father felt something wild apple trees, and asked Fanfan in the end is not ill. Please also live in it, a squirrel who came to see Fanfan. Fanfan tell their own desire,UGG bailey button, wild apple trees is very strange and guilty father looked at the son of a bit to know: the best food, it brought up the side of the animal, you see Gezhong bird, monkey, rabbit, and so there is little hedgehog, we are the guardian of the party, this is how things should be proud of Yeah. how do you think should bear apples come from? Do not say it is not possible, even likely, what we use apples on it? will only deepen our own weight. Du said the outside world,UGG boots cheap, attracted, desire, like weeds, once grew up, in any case it is difficult to exhaust ending.

Fanfan to see so tortured by the desire day by day, wild apple tree my father had really bad heart. Finally this thing finally alerted the life of the wild apple tree in the corner grandfather. Wild apple trees over the family no more generational grandfather distinction between the older generation are referred to as Grandpa, is the grandfather of all the wild apple tree's grandfather, the family is the oldest one. Its status, the opposition family tree, the tree is no comparable. Wild apple trees it uses the same question my father asked Fanfan, when it knows that after all said simply: Is there really no way to make us bear apples you? To pursue the goal of life is multiplied by the true life of the mind, not like you desire. We are not tortured by the desire to see you die this way, so I know I took one of the oldest The legends say it to you. Guardian created, and only he has the ability to all creatures in this world to achieve their dreams and desires. you just can find him, you have the opportunity to achieve your dreams. sleeping. Fanfan kept asking: Dad thought for a moment of wild apple trees: around to help us achieve all our dreams. But the legend also said that he was a very demanding people, to realize their dreams is a price to pay unthinkable. Fanfan said firmly:

(c) the advice of an angel

the world had really a miracle, do not know how long Fanfan talking, anyway, LOVE guardian angels really come. Wild apple trees all the members of the family, fear of watching the monster. Wild apple trees in accordance with the family's aesthetic point of view, this guy really is ugly, no, even the ugly are not really, just a monster. Wild apple trees guardian angel certainly know what their thought, but, since he gives them life, of course, gives them their freedom of thought, he could not change their aesthetic, but also never thought to change their world .

angels tremble with fear looking at the wild apple trees are: Fanfan excited to tell their own dream angel, guardian angel silent for a moment, said: world, but I give you in this world, when all biological life, but also gives you ideas, love and freedom. your dreams through your own efforts can only be done, and not expect God to give you an explanation. Even my angel, and I never seen a wild knot golden apple tree, you dream a little surreal, could have been impossible to achieve, but I do not quickly do it, I go to work late to break a cases of it. only. Fanfan your wish has been made, and later been no such chance. the other apple trees are, you want to achieve any desire to speak, but the angels give you a piece of advice, only able to achieve on their own The dream is the most perfect.

(d) the desire of wild apple trees grandfather

not speak at this time has been a wild apple tree grandfather spoke: Fanfan all the wild apple trees, including my father are strange looking grandfather. Self-serving to say his grandfather wishes: will be broken, if I stay here, then after a quiet day for no more than a. their aspirations, are you willing to leave with your mind also. also mentioned the same desire and Fanfan, and some do not want to go to an unfamiliar environment, decided to stay living here. Fanfan's father left with the grandfather, but it is worried about watching his son, grandfather to comfort it, said: certainly not a very pleasant experience, certainly not what it wants. But this is its choice, we bless them.

the desire of all the wild apple trees have been achieved, wild apple trees grandfather and father were all gone, all of a sudden quiet valleys, many, many, only a small group of the few remaining apple tree, looks a bit to pieces. Fanfan and the other three wish to bear golden apples of the apple trees began to change, and a tree out of the silver petals, buds yellow stones, crystal flower pin apple flowers. In the sunshine, the flowers are an amazing Apple's gorgeous.

Several months later, those who took the gold slowly bear fruit, golden fruit stem end will also have a sparkling diamond site. To the ripe golden fruit, starling beep is back, and when it saw the canyon only this small group of wild apple trees when the surprise. When you see there are four golden apples grow wild apple trees, it is even more surprised. It uses Fengrui mouth peck apples are hard, which Apple has not those delicious food. It looked Fanfan said: know what happened when his talkative little regret that so much because they starling family of apples, there is no any use, they move through the canyon each year, those wild apples are the best food for them. When Fanfan asked it to bear golden apples, the wings will not come to it so you can tour around the world when the toot understand their own big joke. However, it does not understand the truth of Fanfan said, but he beat his chest: the matter in their own Chejin go. Left, toot ran off with the mouth of a minimum of golden apple, not too heavy to fly it.

(e) to the human world, shocked the Golden Apple

rest of the story as the script as an itemized account, not one by one confessed. Fanfan to go to the outside world anyway, the dream finally came true. Doodle with that guy that hired the super rich golden apple, the result is Fanfan and the other three wild apple trees bear golden apples have been found. This event to once shocked the world. Owned and coax more people to, want to find something, even picking up a gold leaf 也好. The remaining wild golden apple do not bear the tree gets it, and some are lured away some leaves and fruit are picked, anyway, the valley is a mess, no longer can not restore the original look like a beauty.

starling family that toot toot do all this immediately after the expulsion of the family's door beep and never allowed to come back. Because it undermines the peace here, and most importantly, its behavior off the field all the apple trees, when the annual migration of starlings family to the best food for a few additional points and stopping for a rest place.

the outside world really like the toot said, but Fanfan has no right to the freedom to enjoy it all. It is apples and another three were locked together with a deep courtyard, surrounded by a large number of security guards, it became the most valuable prisoners. Although they live in a place often change, and often take the exhibition around the world, but they still face the crowd, deep courtyard and walls. Toot said it all and the beauty of the world has a world of difference. Fanfan and his companions began to regret it, began to fear or even crying, shouting at them later. However, no one knows the world,

(f) to make the homeland

finally Fanfan despair, and it started to miss the old days, miss home partners and tranquil valley, there are those little animals. However, those days are over. Fanfan initially refused to eat and drink, golden apple trees began to wither, the leaves yellow and dry. Although humans spend a lot of effort to rescue it, are not used. The other three the tree followed the same situation there.

Fanfan again wake up when it is awakened by a song, and it opened my eyes found his body stopped a yellow crane. It also did not speak, Huang spoke first: Crane said,Discount UGG boots, immediately cried out: I can not reach your desire. What do you want to father and grandfather said, if I can for you to take home. Finally, it is miserable smiled:

in three days, Fanfan and its partners to eat, drink and absorb nutrients crazy. Those who have sudden death of the human experts who once cheered. Three days later, Fanfan exhausted all the power, and even fight on all the life energy, bear one of the largest apple, but this is no longer the golden apple, but a real wild apples,Bailey UGG boots, the Fruit is light, it looks much more than those of the golden apple to the United States. Huang came, Fanfan it said, Mr. Huang He, you put the fruit back to my hometown, and I will be reborn in the home.

here, and stories to come to an end, really

Pensions by two-thirds

 Be seen, for large and medium cities, older couples,UGG boots clearance, the rich want worry-free retirement, pension reserves of about 200 to 250 million. Such a big demand for funds, you will naturally be prepared in advance! So, go where the money raised this?

social security may be one of the objects most people rely on. Most urban residents are now into the social security system, most people in retirement, you can receive per month from the hands of a social pension of their own. But the purpose of social pension insurance only to those who meet the basic food and clothing for retirement living expenses.

look at the current situation, almost to infer the future state. We calculated the previous text, almost a city retiree cost of 34,000 yuan per year (excluding illness factors), can live a relatively comfortable and prosperous life, but even in more developed system of Social Security in Shanghai area, retirees The average monthly pension is only 1,200 yuan, almost exactly one third of the above budget.

objectives of the pension replacement rate (pension replacement rate = average of new retirees pension / average wage income of active employees), only 58.5%, the replacement rate is for all the country's income level and insurance words, for residents of large and medium cities, especially in the higher wage levels for workers in Beijing, Shanghai and Guangzhou residents, the replacement rate will be lower. According to publication of the estimates, the Social Pension Insurance in 2006 after the implementation of reform programs, for the current monthly income of 4,000 yuan for young people, the future pension replacement rate of only about 30%. Moreover, since China's one-child policy and the continuous extension of life expectancy, can be expected that the proportion of the employed population of the total population will continue to decrease, which will lead to future retirement community can provide more financial support for capacity decline. Therefore, the social security pension is only enough to provide a living for retirees, we want to achieve from the

by child support pension costs, improve quality of life of retired parents? This and the next few decades in the future seems impossible. As social values change, coupled with the impact of family planning, the future of a couple may have to take care of the elderly or even four of six elderly people, children, the future will no longer be able to rely on the aged. After retirement, do not worry about the child's home, do not become the child's

comprehensive variety of factors, if you want rich endowment, in the long years of retirement with dignity to maintain a decent quality of life, it seems there are two thirds of the funding gap, the financing of individual effort is still needed. Three Ways to finance the preparation



Since it is a

in the end how to raise funds, we combine the financial experts, both in this idea and presented the three main ways.

an idea is before retirement, you already have a large sum of money sufficient for abundant living expenses after retirement; Another idea is to you each month or a year after retirement, can be a full cash inflows own hands.

follow this preparation ideas, we can find a large amount of pre-retirement pension fund reserves (mainly various types of financial assets), to purchase commercial insurance and investment property held by the three major preparations for the typical pension means friends.

the face of this category means a typical preparation, in the end choose one, each person may wish to combine their actual situation and the characteristics of these three ways, individual selection.

near retirement, it has been through a bank savings, funds, bonds and trust and other financial instruments, reserves the affluent life of two to three decades after retirement, the total cost required, this is a very good idea. But this requires you to start operation at work, and often in young adults during the period of pressure from a variety of living expenses (such as mortgage, education, etc.) and even some of the money out of pension reserve. If your children's education and mortgages, auto loans, heavy pressure, are likely to be several major financial goals in this conflict, such as quality of life for youth and influence, or affect the possibility of pension reserves ahead of schedule. At the same time, this reserve method of determination of their daily requirements of the larger savings.

purchase commercial insurance, such as old-age pension insurance, universal insurance, pay through the young of certain insurance costs each year, until after retirement, receive a monthly pension, which of course is also a good idea. Commercial pension insurance is the biggest characteristic sound can be scheduled to receive. And, if you choose the life insurance, you can Also, if purchasing a number of life-long health care insurance, but also for the diseases of old age expenses to help a hand. However, the current phase of the insurance products also scheduled to lower interest rates, fees and other shortcomings of the higher rate design, which will allow for future commercial insurance rich endowment of the boost power efficiency decreased.

If you invest through a period in young adults or even more sets of real estate, including civilian housing, shops or offices, then the future can enjoy the real estate value-added potential, you can also get some rental income on schedule, we can say is the best of both worlds of policy. However, individual real estate investment on the one hand is the investment threshold is higher, frequently require twenty to thirty million down payment, if you choose the monthly mortgage repayment is not low; the other hand, high prices today on the occasion, If there are involved in the real estate market may be greater risk, years or decades after his retirement, the original purchase of the house although the possibility of greater value, but does not rule out the possibility of devaluation; Furthermore liquidity than real estate poor; If for rent, house management, but also after retirement to spend more effort and cost.

diversified asset allocation means

pension in a comprehensive analysis of the various advantages and disadvantages of financing channels, the hope that everyone can build a concept of asset allocation.

the concept of the so-called asset allocation, mainly to remind everyone of the family assets to the liquidity, safety and profitability well into consideration, to be a more comprehensive arrangement and proportion, not because of a preference type of investment instruments, and increase the process of the future pension may face risks. For example, if too much emphasis on real estate investment retirement, family, lack of liquid assets (savings, funds and other financial assets) configuration, then the event occurred in the course of a large pension expense of emergency (such as sudden accident or illness), lack the hands of use of liquidity, it will be trouble. As another example, if the young adults during the preference of high-yield investment vehicles, most of the assets are all configured in the stocks, funds, etc., never arranged for family protection, due to fluctuations in the value of these tools change too fast, the larger the probability of loss, So close to retirement, perhaps you will find your own pension plan reserves can not smoothly, at this time will sigh if part of the stable source of insurance pension, his pension would not be so passive. Of course, not all configured insurance, liquidity, after all, is not high, there is a certain loss of surrender.

short, in order to successfully achieve in order to conduct high-quality retirement plan pension reserve funds, it is best able to use diverse means to take full advantage of the strengths of a variety of tools, try to avoid using a single tool to help you realize the dream of retiring rich! (Chen Ting Money Weekly)

raise millions of pension (a) Endurance compounding the sooner the better dual role of capital reserves

after retirement in order to drink a steady stream of Oasis, when the prime of life is inseparable from the efforts of reserve.

or around the world, sitting in the landscape, when a return to old age and in the Xu; or junior amused laughter, lives and living, sharing grandchildren; or tea and chat with old friends, chess paintings, all in an extremely beautiful sunset.

accelerated pace of life today, such a rich endowment of life has increasingly become everyone's expectations.

However, such words of life in order to future success is not easy reverie. According to our rough calculation of the foregoing, you want to prop up the rich endowment of life, that needs less time to carry on the funds. After retirement in order to drink a steady stream of Oasis, when the prime of life is inseparable from the efforts of

pension reserve the sooner the better

about pension plans, many people think it is a need to consider before the age of fifty proposition. For young people in their twenties and thirties, the business just beginning to establish small family, and lived the future of their center of life. Only into the fifties, becoming white hair, people will be aware of: Oh, is not doing this for their own retirement plan it?

fact, if you crossed the threshold of the five-year-old, began to focus on their own pension problem, in order to achieve the ideal of the rich endowment, is not so easy. This is because for the five-year-old people who have experienced the peak of a career and want a substantial increase in revenue, has not so easily three to four years of age; and time is running away from retirement, the pension funds in the security considerations, but also allow you to engage in too many high-risk investment, return on investment will not take too high,

and if you are 10 years earlier, 20 years, the pension as an important financial goals to consider, some consciously monthly pension reserves, You have to pay the hard work and efforts will be quite different.

we might as well let the data speak for themselves, take a look at an early pension reserves, our accumulation of wealth will produce what kind of role.

【Case】 Wang has just turned thirty year old, worked for a medium-sized enterprises, his wife and Wang same age, the two of the current family income reached 12,000 yuan in Shanghai, the city is also considered that the And every young couple, they do not want their old lives as dull as their parents. In order to achieve this goal of life, the couple decided to set up a pension reserve fund now. According to their estimates, the two 25 years later, that is their retirement age, at least 1.60 million of capital accumulation.



So, let us help Wang couples to an account balance, to see just how hard to achieve this goal. We assume that the pension reserve Wang couples can get 6% return on capital, then from now on, Wang couples need to be invested each year in the pension reserve fund as 29,162 yuan, after 25 years can reach 1.60 million this goal. Average down, they need to invest money every month less than 2,500 yuan, which for over ten monthly income families, not a difficult task. Moreover, they are still young, there is great future earnings growth potential, even taking into account their children's education and other life goals, 2,500 yuan a month into the pension is entirely achievable.

push back 10 years, however, if the couple from the 40-year-old Wang was going to start a pension reserves, was the result of the different. From 40 to 55-year-old retirement age, the middle 15 years of experience, still in accordance with the investment rate of return of 6% to calculate their pension funds need to be invested each year 68,740 yuan, 5,700 yuan a month, have spent about 55 years ago was able to reach 1.6 million element of the pension goals. But this month, 5,700 yuan investment for Wang couples, may be a bit

from such a simple example, we can see that the establishment of pension reserve the sooner the better. In general, for ordinary income families, over a 30-year-old door, it should begin to consciously pension plan. Thus, by a long-term, stable retirement investment plans, steady, even if your income is not high, without affecting the daily lives under the premise of

investment account set up pension reserves

and overseas The main purpose of, first, a major expense for families, the second is responsible for the education of their children, the three pension funds is taken into account. However, in these families, a very common practice is to place all the assets together, rarely set up a special account to manage their pension reserves.

centralized management of funds, eyebrows and beard grabbed the most prone to abuse is easy to attach importance to the family of short-term goals, like buying a car, buy a house, while ignoring long-term goals such as retirement, unconsciously, the gradual erosion of pension reserves was lost.

a very common example is the child's marriage room. Because high prices, many young people in employment within a period of time after the purchase is still unable to pay the down payment. So a lot of room down payment is marriage by both parents to The parents let their children out of the home are given the needs of the family assets will not hesitate to set aside large sums of money. Thus, the original looks fairly substantial assets in the marriage after the children suffered a

Therefore, in order to truly realize the Our proposal is that, for the accumulation of families has been established, you can set aside a certain share, designated as pension reserves, and the daily accumulation can continue into this account, in order to achieve the purpose of growing pension reserves.

【Case】 As an accountant, Mr. Rowe and his wife on their pension issues very seriously.

No number. reserve. can not move. They will regularly view the account, take a look at the situation of pension funds.

course, as parents, their children's education is also Mr. Rowe and his wife's concerns. End of each year, Mr Lo has a year-end awards are not low, this is the end of the year award toward her daughter's name with a bank account opened. He felt that this sub-account of the ways to effectively deal with

periodic adjustment of investment styles

as long as the pension plan established early, with savings perseverance and realize we are not far away from the rich endowment. However, to get their pension accounts established goals on time, but can not do without our hard work,

you ready to adopt any kind of investment, to make your retirement account to grow up? investment in the current market environment, I believe many people will not hesitate to make a choice - the stock market. Indeed, from the start after last year's bull market, equity investors benefited from the quite good, from which many people have tasted the However, in the pension reserves investment, simply counting on high-risk stock investment products to desirable. After all, the pension reserve charged with the task of living after you retire, if anything happen, and plenty of old-age desire to worrying.

then how to invest your pension reserves it? more reasonable idea is to operate - on the pension reserves investment portfolio, while the retirement age according to their own time, and gradually adjust the mix of high and low risk investment the proportion of venture capital, making the style of the entire portfolio to transition from a positive stable, and in the near retirement pension reserve fund of the investments are mainly conservative.

example, if you start from the 30-year-old pension reserves, then 30 to 40 years old at this stage, the reserves of the investment can properly take risks to win the higher the returns. Like stocks, stock funds, are to participate in a higher proportion of investment products. Crossed the 40-year-old, the proportion of high-risk investments that will drop a drop, you can consider converting assets of more than half of the bonds, or invest in balanced funds. If you have over fifty, you are advised to pension wealth for their own life coming from the front line of active investment retired to the bonds and fixed income funds as a pension of this type of

formal retirement, pension investment we should not be in the hands of Normally at this time, just make sure the pension investments over the inflation rate on it. There is such a phenomenon, an increasing number of elderly people but is more keen on the high-risk investment, Many elderly people on the scene. Many of them are holding their own retirement money, I hope to blog a bull market on record. In fact, such a radical post-retirement investment is not desirable, because for retired people, their ability to create wealth and risk tolerance is low, good health can not withstand the test of market volatility. Investment risk and return is always proportional to, if the investment is negative, then old age and old people's lives have been greatly affected, and even become rich endowment come to nothing.

in the current market, has launched a number of investment products for retirement, when they are making an investment that is in accordance with the investment risk and investment is inversely proportional to the principle of life, the investment style for a smooth gradual transition from the active . Such as HSBC Jintrust the launch of the Through this seemingly mechanical design, you can protect the investment risk as investors age decreased, while the protection of certain benefits, to ensure that the investor's financial goals will not be affected. Some pension funds in overseas in the design of such a principle is applied. For there is not much time to study the investment market for people who choose a similar product, but also a way of nurturing pension reserves. (Yin Juan Financial Weekly)

raise millions of pension (b) when the young cast QianLao solid stability with commercial insurance

distinct characteristics of commercial insurance, with participation in the natural reserve of the long-term pension plan advantages. Moreover, the insurance pension easier to measure the level of return, the insurance is a compulsory saving tool, it assisted with commercial insurance pension and more reliable.



into 20 years. After his retirement at the age of 60 can receive 900 yuan a month pension, the pension increase 5% every three years to ensure that you receive at least two years, and is a lifelong collection type, live longer, receive more, 88 there is a 10 million-year-old New Year gold, while the pension plan also includes a payment guarantee in advance of major diseases and dividends value. I feel just fine.

Five Advantages of commercial insurance pension

time after the purchase is equal to has been concerned about, or do not trust, always afraid of missing something. Insurance is like that, as long as the identified what products to buy, as long as a year after the insurance payment on time, basically you do not need to do something, funds take care of people worry about such things can be handed over to the insurance company to complete, very good very easy way.

turned out she had got the most convenient value of the pension insurance feasible. This is to allow journalists to think of the insurance industry a too high), but overall it is quite stable and reliable; and other varieties of financial endowment is a professional camera could, in theory, to get better photo quality (higher returns), but not a home if the operator technique, photo shoot quality not as good as the camera than a fool.

the amount and payment time, the appointed time to pick up the money to start a monthly basis.

Indeed, if the use of insurance to assist the aged, retired from the insurance company a monthly or annual number of pension received is very clear so that we can assist through pension insurance to the proportion of cases do know very well For example, she had got his expected retirement in addition to the basic social pension, a pension of 2,000 yuan per month in the gap, and now has her own insurance to provide her time to 1,000 yuan per month in return, so long as the other is equal to then about 1,000 yuan of funds raised on it. And other financial variety, difficult to compare accurately predict two decades, three decades after the earnings can not be affirmed, and the exact answer, it is difficult to control by individuals. Of course, the rewards can be relatively fixed plans, the insurance rate of return relative to lower levels.

As pension funds, the basic requirement is to pursue the principal security, moderate income, against inflation, which generally yield a larger capital investment to pursue the principle of differentiated, so the low-risk, income generally, but can be used as auxiliary to insurance One advantage of old-age existence.

Indeed, young adults have a lot of money during the channel for the future if you do not force yourself to do something old-age and pre-prepared, then the money was also spent, old age finally no guarantees. Insurance is precisely the characteristics of a mandatory savings, you must pay on time quantitative insurance, pension arrangements to have more planned. Moreover, since the surrender losses will be relatively large, so people would seriously consider This feature was for the usual propensity to consume, low savings and investment habits of poor people, the particular kind of

the fifth largest endowment advantage. The so-called distance tests a horse, so time reveals a Moreover, the type of pension for life insurance can make people live longer, the more lead can be a partial solution to post-retirement

choose the purchase of fixed-rate old-age insurance

Today, the market for supplementary pension insurance products has been more and more forms, including traditional fixed-rate pension insurance, pension plans and participating universal-type insurance.

choose to buy a fixed rate if it is old-age pension insurance, the best buy in the era of high interest rates, so it will be more

over the last year has paid the premiums. because then the interest rate is much higher than it is now, like 8%, 9% of the way.

many readers may remember, in 1996, China's bank deposit rates as high as 10%, when the pension insurance products, an average of 8.8% per annum, if the insurance was purchased at fixed rates of return rate is very high, the auxiliary pension described as

However, as several central banks cut interest rates later, the intended long-term savings life insurance rates be lowered to 2.5%, no change so far. As a result, fixed-rate old-age pension insurance for a bit Compound accumulated earnings of the insurance is to buy sooner, the lower the premium, higher interest rates scheduled to return to the higher, the better the effectiveness of old-age assistance, so the purchase of traditional fixed-rate savings-type pension insurance, timing is very important, their young, when the interest rate implicit in the higher is the best point of purchase.

period of low interest rates, dividends or optional universal-type

but at least is the continuous development of insurance products, Today, the era of low interest rates, you can choose dividends or universal type of insurance products, as a means of supporting the aged.

participating pension annuity and traditional fixed-rate old-age pension insurance, as there is also security at the end of the scheduled rate, but this rate was slightly lower than the traditional old-age insurance, generally only 1.8% to 2.4%. But the participating insurance at a predetermined interest rate, there are sure to get the dividend interest. The cash dividend is divided into two types of dividends and the sum insured dividends, cash dividends each year can be directly realized, the amount accumulated dividends from the perspective of long-term protection is more effective. These products are suitable for long-term rates rising, particularly sensitive to the inflation of the crowd.

universal life insurance as a long-term financial instruments, the emphasis on accumulation account, and some extraction procedures for convenient and flexible account funds costs are low and, therefore, can be used as the accumulation and use of personal pensions. Investment in this type of product, net of premiums and security costs of some of the initial costs, all the rest into individual accounts, individual accounts are guaranteed some income, usually in the 2% currently 2.5%, and some also with the bank one year linking of periodic interest, declared two years mostly in the 3.25% annual interest rate of 3.6%, the income portion is accumulated compound interest. Variable universal insurance as the insured amount, payment flexibility, and to compare the lack of stability in income for high-income people through the premiums invested from time to time to achieve wealth accumulation.

linked insurance products are the highest in a class of investment risk, of course, with the risks and benefits, is most likely to obtain a higher income category. It is also a means of long-term investment, but no end of income insurance, insurance companies, account management fee is charged, profit and loss by the customer Quanbu own, has been hailed as Investment-linked insurance customers can set up different styles of financial accounts, with a proportion of its funds invested in the risk of different financial products. Strong investment-linked insurance investment, high risks for a strong sense of risk, higher-income small part of the crowd.

appropriate for the pension arrangements for health and medical insurance for life

class of insurance if the pension annuity pension wealth in order to Therefore, in addition select the savings type insurance as a funding gap of wealth to supplement pension arrangements, in order to be able to retire comfortably, should also have to protect the health of the medical class of insurance for life, after retirement in order to resolve the most likely to face serious illness treatment expenses.

present lifelong health care class security products are life-long critical illness insurance, medical benefits for life insurance, life health care account-type insurance, long-term care insurance. Each person according to their own family history, current physical condition to carry out different arrangements.

pension insurance accounts for the gap to three Daowu Cheng

said so much, or want to emphasize one, through the purchase of commercial pension insurance and personal pensions received all pension plans is an important part, it may be, and real estate, funds and other investment vehicles with the use. So in the choice of pension plans should fully consider the level of current income, combined with their daily expenses, expected future life, through the expansion of other factors, make a reasonable choice. Commercial pension insurance experts recommend purchasing additional pension received by all future pension costs account for 20% to 40% is appropriate, it is accounted for in the future personal pension gap of 30% to 50% on the same subject, the annual pension expenditure savings do not exceed the current premium class annual income of 8% to 10% disease protection class premium pension expenditure should not exceed 5% of current annual income.

Table: Comparison of the characteristics of several types of insurance insurance status of the main features of interest rate implicit in the inflation capacity for people to resist traditional fixed annuity, 2% ~ 2.4% of the recipients of factors determine the savings for no good ideas, financial management style conservative, risk-averse poor people can not resist the fixed part of the participating pension insurance 2.4% 1.8%,Discount UGG boots, while dividends are not fixed dividend of uncertainty can be obtained for long-term interest rates rising, particularly on the inflation sensitive people better part of universal life insurance personal accounts of 2.0% ~ 2.5% of the minimum guarantee rate of return, the actual declaration of interest rate at 3.25% ~ 3.6% of the sum insured variable, payment flexibility for a higher income, but often volatile not sure who is better linked insurance accounts with different styles to choose from and the conversion for high income, high expectations of income, the higher risk tolerance can not be determined

(Chen Ting Money Weekly)

raise millions of pension (c) rental value-added things correct the second suite both offensive and defensive

is the core of the second suite of retirement income and value-added real estate space. Rental property can provide you with a steady stream of cash flow to make up pension gap; and the erosion of real estate can be protected against inflation, can be used as old-age protection.

talk about

to Simply put, Old people can put their name in the property mortgaged to the bank, insurance company or other financial institutions, which can get a certain amount of monthly pension, after the death of the elderly and other financial institutions to recover from the housing property. In this way, relying on real estate, the old people can get a stable pension income to make up for lack of pensions. Moreover, revenue at the same time, the old people retain the right to use on the property, they can always live in their own real estate in. Growing in the aging and the elderly live independently most of the Western countries, a reverse mortgage as good as solving the housing problem of a pension ideal way.

However, in the case of our country, and now the implementation of the First, reverse mortgage for the housing requirements of the higher actuarial, financial institutions have not yet launched the product in the data base; the same time, housing, reverse mortgage involves the assessment and prediction value of the property, mortgage management and maintenance of housing, housing up transaction management, it is not a bank or insurance company can be done alone; more important point is that the concept of the family-oriented society, people hoping to own property inheritance to their children rather than to financial institutions.

However,UGG boots cheap, in our rich pension plans to introduce real estate investment, is not impossible. As a long-term store of value, as their wealth through the second suite of relying on old-age, still has great potential.

property pension

is the core of the second suite of retirement income and value-added real estate space. As an investment vehicle, real estate both of these two features in one. In addition to self-occupied property, the can be used for rental, so that investors can derive a steady stream of cash flows. And in the long run, real estate has a strong store of value, especially in the 10 years, 20 years later, housing prices can be adjusted upwards with inflation, you can not protect their wealth eroded by inflation. Limited land resources in some cities, choose a good location there is a good real estate appreciation potential.

It is because of real estate such a Many middle-class people to prepare their own pension in addition, will consider the purchase of a property is used to fend off risks.

The thinking is that, under normal circumstances, the property can be used to rent, stable rental income per month is also after his step aside a pension, after retirement can make up for the original pension income and social gap between. In this way, people who, though retired, but there is no retirement income, work can still maintain a standard of living in high-income and live a decent retirement life, and real estate property can be left as a child.

If the weather the weather, life in the old-age encounter some special circumstances, property can also be realized and gain a large amount of money to ensure their own safety Dunan Guan. Insured can choose according to their own situation. No end of income protection, insurance companies, account management fee is charged, all gains and losses by the client themselves. In addition to After the 70, the fully the possibility of relying on old-age social security payments are not high. Consultancy McKinsey published opinion, the Government pension gap by 2010 will reach 110 billion U.S. dollars, or,UGG shoes, it is recommended to the defined contribution-type model of China into the same by the employer and employee contributions, but the commission designated fund management, Pension fund trustees must provide a qualification certificate, guarantee long-term returns possible. If disease can be achieved when the limited amount of short-term financial leverage, or return. The peak of the general labor savings of 30-year-old to 50 years old, after which the savings rate will decline, reduced household savings after retirement and began to take over the accumulated assets. However, the positive peak of the younger generation of income is becoming global, we do not have the thrifty older generation, there are higher spending requirements. For the United States, even though her high birth rate, have a stable influx of migrants, but before the baby boomers reach retirement age, savings rate has been surprisingly low, can only rely on capital inflows from other countries to cover the regular account deficit. Portfolio: including land and housing, including real estate with long-term resistance to inflation and the possibility to achieve a certain added value, stocks, funds, financial assets, with strong liquidity and high returns possible, gold, crude oil and other physical assets can reduce the risk of the portfolio and against the economic cycle of rotation, the collection of works of art builds character and can have access to the excess returns of more than ... ... In general, the more investment in the quadrant, complementarity, the higher the risk cycle the greater the difference, the more secure assets. Establishment of the investment portfolio is the most difficult time of return and the corresponding requirements, there is no risk of an investment is not included, if established on the return time is too short or too high, it will reduce overall portfolio risk flexibility. Some parents even provide help for the children in turn, even though we were not frugal, spending increases, general liability, but may also own property on the inheritance. If only four ways, urban residents, 49.1% would choose to spend on their children, old and by children; 34.2% of people want their retirement savings; 28.2% choose to participate in social pension insurance; 3.0% of people willing to buy commercial insurance. But in rural areas, the elderly as the first choice to the number of children up to 82.0%. The reality of the urbanization process, which may force it to reverse the current 82.0% of the people's point of view.