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w*o
1
股指期货成交连日放量 主力合约成交金额超沪市
2010年04月21日 13:08:22  来源: 新华网
新华网北京4月21日电(记者华晔迪)股指期货成交连日放量。交易数据显示,
20日股指期货四种合约合计成交总额达到1476.25亿元,其中,主力5月合约
成交达到1363.42亿元,超过沪市当日成交1271.59亿元。
来自中金所的数据显示,股指期货自上周五(16日)正式上市以来,成交量连续
两日大幅放量,以主力5月合约为例,16日成交48988手,19日成交1097
33手,较16日增长124%,20日成交再度放量,达到141862手,较19
日再增29.3%。
值得注意的是,在成交大幅放量同时,代表资金的持仓量却没有大幅增加,以20
日为例,主力5月合约全天成交达到14.2万手,尾盘持仓则不足4500手,形成
鲜明对比。
avatar
S*s
2
意外事故发生, 或者病了, 老了, 就需要被人护理。
一个客户放弃了美国籍搬去澳大利亚定居, 留下他的太太一个人在美国,她老年痴呆
, 老头留下房子给她, 他自己住国外,还找了2个专业经理帮他投资退休金,他也不
是巨富。通常还没他这么富裕的家庭, 一旦夫妇中有一个人的的脑子和身体技能开始
退化,无法维持日常功能,只能把一辈子积累的资产卖掉, 去支付他/她的护理需要,
而另外一个老伴就没钱生活了。should a long term care need arise你不再能够
fully independent,怎样保护你的资产和独立生活能力?为了防止资产被花光 a long
term care insurance is one option.This type of coverage may help you
maximize your independence.
别以为现在你还年轻,不需要考虑长期护理,护理不光是因为年老的需要, 还是伤残
后的需要,几乎30%的45多岁美国人买了长期护理保险,long-term care insurance
policy.
当你快要50岁时,也许保鲜公司就不乐意卖护理保险给你了。 你50岁时,拜访医生的
机率就开始上升,it almost never gets better (even if you diet and exercise).
需要服用的药物慢慢增多起来,chances are that you leave your doctor's office
with some new prescription in hand. 服药也让你活的长些,但是这些医疗记录和健
康状况使你的年老护理保险变得很贵,或不够资格买它 make it harder or even
impossible for
you to health qualify for long-term care insurance.
2010年被保险公司拒绝的/接受的case(American Association
for Long-Term Care Insurance 2010 Sourcebook):
从50岁到59岁被拒的14%
从60岁到69岁被拒绝的23%
they did not qualify for the insurance they applied for
从40岁到49岁被接受的62%,
从50岁到59岁被接受的46%, 这个年龄段一半多人被拒绝了。
从60岁到69岁接受的占38%
Costs increase on your birthday. The annual rate increases are generally 2-
4percent in your 50s but start to be 6% to 8% per-year in your 60s.
平均费用 (http://www.kappadelta.org/assets/1280/Long-Term_Care_facts.pdf
• The average daily cost for a private room in a nursing home is $213,
or 一年7万8千美金
• The average daily cost for a semi-private room in a nursing home is
$189, or一年6万9千美金
• The average monthly cost of living in an assisted living facility is
$2,969, or $35,628 annually.
• The average monthly cost of living in a not-for-profit Continuing
Care Retirement Community is $2,672, or $32,064 annually.
• The average monthly rate for assisted living facilities that charge
additional feesfor Alzheimer’s and dementia 老年痴呆care is $4,270, or
$51,240 annually.
• To move into a community, individuals must also pay an entry fee
ranging from $60,000 to $120,000.首付6万到12万才能入住。
• The average hourly rate for a certified home health aide is $32.37.
• The average hourly rate for a uncertified home health aide is $19.00.
• The national average daily rate for adult day centers
• The national average hourly rate for homemakers/companions is $18
谁支付老年护理?
• Nearly 40 percent of long-term care spending is paid for by private
funds.
• Medicare, which covers rehabilitation services after an individual
is discharged from a hospital, pays for 19 percent of all long-term care
spending.
• Medicaid, which covers health care costs for low-income individuals,
pays for 49 percent of all long-term care spending.
哪些人被长期护理?
• There are more than 1.4 million nursing home residents in the United
States.
• An individual's average age when he or she moves into a nursing home
is 79.
• Women are almost three times as likely to live in nursing homes than
men.
• More than 900,000 individuals live in assisted living residences.
• More than 150,000 individuals receive care and services at an adult
day center.
• There are more than 1.1 million seniors in some type of senior
housing
community in the United States.
• There are approximately 745,000 older adults who live in continuing
care
retirement communities in the United States.
• The average age of an individual moving into a continuing care
retirement
community is 78.
• Nearly 1.4 million individuals receive home health services.
• The average lifetime nursing home use per individual is one year,
and the averagehome care use is a little over 200 visits.
保险支付的护理服务有哪些?What is covered by long term care insurance?
A long term care insurance policy may help you pay for the care needed when
you are unable to do everyday activities such as eating, getting dressed,
bathing, maintaining continence and getting in and out of bed without
assistance.
The goal for long term care services is to provide assistance
and improve the quality of life for those with chronic, long-term conditions
or severe cognitive impairment, such as Alzheimer’s disease.
A comprehensive long term care insurance policy may provide coverage for
long term care needs in the home, community-based settings, an assisted
living facility or nursing home.
麻省费用
Massachusetts Assisted Living Cost 2011( low high average):
Boston $1,925 $6,400 $4,694
Worcester Area $3,955 $5,456 $4,629
Rest of State $2,850 $6,357 $4,618
Home health Aid Cost/ hour
Massachusetts (MA) 18 $38 $24
Boston Area $22 $38 $25
Worcester Area $19 $30 $23
Rest of State $18 $32 $24
Homemaker Cost
Massachusetts (MA) $18 $30 $22
Boston Area $19 $24 $22
Worcester Area $19 $30 $23
Rest of State $18 $30 $22
Average cost of Nursing Home Semi-privat Room Care
Massachusetts (MA) $250 $400 $327
Boston Area $275 $385 $334
Worcester $250 $385 $321
Rest of State $272 $400 $327
Average cost of Nursing Home Privat Room Care
Massachusetts (MA) $250 $450 $350
Boston Area $300 $435 $356
Worcester $250 $425 $333
Rest of State $295 $450 $357
avatar
s*e
3
【 以下文字转载自 NewYork 讨论区 】
发信人: smalldimple (郁闷的农民), 信区: NewYork
标 题: ~唐人街礼品店 请人一名~ 非诚勿扰~~~
发信站: BBS 未名空间站 (Sun Aug 23 23:55:54 2009, 美东)
唐人街礼品店请女员工一名,卖 中国文化纪念品,(不是卖仿货,是正规旅游礼品)
要求至少有普通以上的 英文水平,(因为都是跟老外顾客打交道)
优惠条件 可以提供 三餐 , 和 提供一个单房居住, 水电上网全包。。。(住所离上
班的店铺就100米远)
工资面谈。。。工资可以开CASH!!!
工作认真,肯吃苦,有责任心的人优先!!!!
联系电话: 646-920-9666 请注意~~~非诚勿扰~~~
avatar
L*r
4
可不可以交流一下经验?
avatar
d*e
5
我的理解不知道有没有问题:期货成交量是总的数额,考虑5倍杠杆因素的话,现在的
资金并不多。
另外就是据说现在都是大户再搞,机构在观望。
avatar
S*s
6
The following scenarios use real rates (2010).
American Association of Long-term care insurance 网页举了一个真实的例子
你在55岁时, 每年只花了$1,084 买就可买到标准的3年期限的护理benefit,大约每天
支付$150块, because you qualify for the preferred health discount (spousal
discount too).50岁之后,大多数人的健康开始走下坡路, 因此买长期护理越来越贵,
you'll pay more if you wait.
随着物价飞涨,长期护理的费用也跟着涨高,So, by age 65, the $172,600 benefit
you bought at age 55 -- will have grown in benefit value to $276,000.过去你
55岁时买的长期护理$172k,现在10年后相当于$276k的价值。
如果现在买$276k长期护理,每年则需要花$3,275才能买到, 因为65岁时的健康已
经不属于“preferred health discount”了。 Someone age 65 (today) would pay $
3,275 for $276,000 in coverage because it's very unlikely they will still
qualify for that good health discount.
And that reflects today's rates. Chances are rates will rise. So, the 55
year old who waits for the 10 years will pay even more.
等待是有代价的。此外,在你犹豫观望期间,一旦出现意外, 引起你伤残而需要护理
的时候, 你就得自掏腰包了。大多数人在70岁, 80岁的时候需要护理, 有些人在50
岁, 60岁的时候就需要它了。 It almost never pays to wait. And, there is
one more important point. While you are waiting, you are uninsured. If
something happens causing you to need long-term care (such as an accident or
an illness), you'll have to pay yourself. . And, while most people need
long-term care in their 70s and 80s, some do need care in their 50s and 60s.
avatar
s*e
7
注明一下 :是 纽约的 唐人街
avatar
d*g
8
这个还要交流?裸买10刀一年,比买个菜都简单

【在 L*******r 的大作中提到】
: 可不可以交流一下经验?
avatar
t*x
9

~~~~~~~~~~~~~~~~~~~~~大户和机构不一回事吗?

【在 d******e 的大作中提到】
: 我的理解不知道有没有问题:期货成交量是总的数额,考虑5倍杠杆因素的话,现在的
: 资金并不多。
: 另外就是据说现在都是大户再搞,机构在观望。

avatar
c*o
10
楼主是卖保险的?
avatar
d*g
11
农民 also open business store?
admire.
avatar
L*r
12
买完怎么办?在哪里Host你的网页?要自己搞个固定的IP地址吗?

【在 d********g 的大作中提到】
: 这个还要交流?裸买10刀一年,比买个菜都简单
avatar
p*n
13
这篇实际上有些误导。据我所知,目前全国开户股指期货的不过1万户,成交量是滚动
出来的,持仓资金并不多。跟大盘股下跌损失的数额完全不在一个数量级上。

【在 w*******o 的大作中提到】
: 股指期货成交连日放量 主力合约成交金额超沪市
: 2010年04月21日 13:08:22  来源: 新华网
: 新华网北京4月21日电(记者华晔迪)股指期货成交连日放量。交易数据显示,
: 20日股指期货四种合约合计成交总额达到1476.25亿元,其中,主力5月合约
: 成交达到1363.42亿元,超过沪市当日成交1271.59亿元。
: 来自中金所的数据显示,股指期货自上周五(16日)正式上市以来,成交量连续
: 两日大幅放量,以主力5月合约为例,16日成交48988手,19日成交1097
: 33手,较16日增长124%,20日成交再度放量,达到141862手,较19
: 日再增29.3%。
: 值得注意的是,在成交大幅放量同时,代表资金的持仓量却没有大幅增加,以20

avatar
S*s
14
我在金融保险行业内,听到/看到的统计数据比较多, 知道许多人还没准备好怎样面对
车祸事故,脊椎扭伤, 神经衰弱,忧郁症,严重视力听力问题,年老后子女没空照顾
, 我家亲戚就是上门给老人做护理的。 我有licenses to educate you about this.
Whether you buy it from me or not, 我还是乐意分享知识, 让大家提早知道, 提
早计划。我不卖保险, 只卖 needed protection, 关键词“确实需要的”。
Protection是家庭理财的一部分。

【在 c****o 的大作中提到】
: 楼主是卖保险的?
avatar
x*l
15
这个不错啊
avatar
y*g
16
host是另一个问题,说来就大了。看你的需求

【在 L*******r 的大作中提到】
: 买完怎么办?在哪里Host你的网页?要自己搞个固定的IP地址吗?
avatar
d*e
17
国内还是分的很开的,公募,私募,或者接受监管的单位,叫做机构,他们的团队比较
健全;江湖游资和有声望的大户,都是无人监管的,团队也不大,叫做大户。
像国内所谓的老徐,老章,就是超级大户,还有法人股大王刘谦那种(好像有投资公司)
,算是机构和大户的混合体。
现在国内的游资牛的很,那么多小盘股,他们的身影无处不在。

【在 t**x 的大作中提到】
:
: ~~~~~~~~~~~~~~~~~~~~~大户和机构不一回事吗?

avatar
l*u
18
确实是卖保险的 :)

.

【在 S*******s 的大作中提到】
: 我在金融保险行业内,听到/看到的统计数据比较多, 知道许多人还没准备好怎样面对
: 车祸事故,脊椎扭伤, 神经衰弱,忧郁症,严重视力听力问题,年老后子女没空照顾
: , 我家亲戚就是上门给老人做护理的。 我有licenses to educate you about this.
: Whether you buy it from me or not, 我还是乐意分享知识, 让大家提早知道, 提
: 早计划。我不卖保险, 只卖 needed protection, 关键词“确实需要的”。
: Protection是家庭理财的一部分。

avatar
N*d
19
仿货跟正规的也没啥区别。。。

【在 s*********e 的大作中提到】
: 【 以下文字转载自 NewYork 讨论区 】
: 发信人: smalldimple (郁闷的农民), 信区: NewYork
: 标 题: ~唐人街礼品店 请人一名~ 非诚勿扰~~~
: 发信站: BBS 未名空间站 (Sun Aug 23 23:55:54 2009, 美东)
: 唐人街礼品店请女员工一名,卖 中国文化纪念品,(不是卖仿货,是正规旅游礼品)
: 要求至少有普通以上的 英文水平,(因为都是跟老外顾客打交道)
: 优惠条件 可以提供 三餐 , 和 提供一个单房居住, 水电上网全包。。。(住所离上
: 班的店铺就100米远)
: 工资面谈。。。工资可以开CASH!!!
: 工作认真,肯吃苦,有责任心的人优先!!!!

avatar
L*r
20
开始阶段不想投资太大。好像有便宜的Host?
以后如果能赚钱,再考虑自己的Server. 赚
不了钱就算了。
有什么好的建议?

【在 y*******g 的大作中提到】
: host是另一个问题,说来就大了。看你的需求
avatar
d*e
21
更正一下,上面的私募分阳光私募和普通私募,阳光私募接受监管,普通私募就不好说
了。
avatar
S*s
22
也卖基金,债券, UIT等等

【在 l*********u 的大作中提到】
: 确实是卖保险的 :)
:
: .

avatar
y*g
23
google app engine, 要喜欢自己写就amazon aws
反正都不贵
amazon aws好像用mini instance可以试用一年

【在 L*******r 的大作中提到】
: 开始阶段不想投资太大。好像有便宜的Host?
: 以后如果能赚钱,再考虑自己的Server. 赚
: 不了钱就算了。
: 有什么好的建议?

avatar
p*h
24
都老年痴呆了,还活着干啥, 放弃就是乐, 不是能喘气就是幸福。 真要是得了不治
之症, 放弃生命, 其实对家人,对自己都是一种解脱和幸福。。

也卖基金,债券, UIT等等
★ Sent from iPhone App: iReader Mitbbs Lite 7.56

【在 S*******s 的大作中提到】
: 也卖基金,债券, UIT等等
avatar
L*r
25
谢了
avatar
O*d
26
If I reached 80 and get very sick, I prefer euthanasia. There is no need to
keep a sick body alive.
avatar
O*d
27
In Massachusetts, the government will take care all your senior/nursing home
cost if you have no income and no savings. When I get very old I will
spend all my money and become a welfare recipient. I can then get free
senior apartment and free terminal care.
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