sgusers2的部落格

周文龍　報道chewbl@sph.com.sg八家銀行與金融機構的3014名員工獲得了由新加坡銀行公會頒發的2013年銀行業卓越服務獎（EXSA）。這比去年多了223人或8％，mini storage顯示本地銀行業越來越注重為客戶提供卓越服務。今年的“卓越服務冠軍”由匯豐銀行（HSBC）的代表獲得，得主是斯里·拉哈尤·莫哈末·謝赫（Seri Rahayu Mohd Shaik）。這是新加坡銀行公會針對卓越服務所頒發的最高榮譽。謝赫在理解客戶需求和執行客戶服務方面表現優異。特別是她能為客戶提供可靠服務，並且反應靈敏，在面對具有挑戰性的情況時，可隨機應變解決許多複雜事項。新加坡銀行公會常務主任洪愛雯表示，今年參與獎項人數增加，說明瞭本地銀行業致力于提供迅速和可靠的客戶服務。她希儲存得獎者能繼續以身作則，進一步提高銀行業的服務水平。卓越服務獎是由標新局在1994年創辦，銀行業從2003年起參與。“卓越服務冠軍”則是銀行公會配合卓越服務獎在2010年開始設的獎項。今年參與獎項角逐的八家銀行和金融機構分別是澳新銀行（ANZ）、星展銀行（DBS）、華僑銀行（OCBC）、興業銀行（RHB Bank）、渣打銀行（Standard Chartered Bank）、匯豐銀行、大華銀行（UOB）以及星網電子付款私人有限公司（NETS）。在獲得卓越服務獎的3014名獲獎者當中，有1139份星獎、806份金獎以及1069份銀獎。值得一提的是，大華銀行是今年獲獎人數最多的銀行，共有865人得獎，包括595名星獎得主、125名金獎得主和145名銀獎得主。迷你倉

Source: Daily Mail, LondonOct.mini storage 18--COMMENTARYThe Prince of Wales is on solid ground when he warns of a short-term outlook in pensions. Certainly, pension funds should be about investing for the long-term and should not be driven by quarterly returns.However, there is not a great deal of evidence that they are. Most funds are actually hungry for longer-term projects, such as social housing, that perform an important service for the citizen and provide returns over long time horizons.The real and present danger to pension savings has been government. It shuffles the regulations and tax treatment of pension funds so often it is not surprising many people now choose ISAs or buy-to-let over traditional pension saving.Latest data shows the number of private sector workers in occupational schemes has dropped to just 2.7m against 8.1m in 1967 when British firms offered pensions that were the envy of the world.The numbers are likely to climb as auto-enrolment in NEST and other schemes come on stream. But we should not forget that the glue that made pension funds such a good way of saving down the decades has been tax relief. This has been a public good because the more money saved in pensions the more cash that is available for investment.This is a link that Labour has failed to understand. Instead, it has tended to see tax relief for pensions as a subsidy for the well-off. In 1997 it ended the tax relief on dividends paid into pension funds, speeding the exit from final salary schemes.Now that much of the workforce is in far less attractive money purchase or defined contribution plans, which are utterly dependent on the vicissitudes of the markets, pensions are under attack again.Last month Shadow Chancellor Ed Balls said that in government he would remove tax relief from the very highest rate taxpayers. It is galling that so many fat cats, including disgraced bankers like Fred Goodwin and Andy Hornby, were able to squirrel away so much in pensions, taking advantage of the highest rate of tax relief. The concern must be, however, that Labour has a far bigger target in mind.Research for the Pensions Policy Institute, sponsored among others by the TUC, found that if tax relief were to be removed from higher rate taxpayers (those who pay 40pc) the cost to the Exchequer could be trimmed from around pounds sterling 35bn to pounds sterling 22bn, releasing large sums of money for儲存government to spend on its favourite causes.In Labour's case that might well be ensuring everyone aged 18 to 25 without a job has one. It would also, however, destroy the incentive to save in pensions. As the Institute for Fiscal Studies points out, the supposed benefit to higher rate taxpayers is largely obviated in retirement as the recipients pay tax on the pensions taken, even if it is at the lower rate of 25pc.Chipping away at pensions tax relief looks like an easy option for those who want to fund a bigger state. But the eventual cost for the state in the shape of having to directly pick up the bill for the elderly will be huge. And loss of investment in innovation and infrastructure will undermine future growth.WE have no way of knowing why Chris Weston, the new boss of British Gas, decided to raise household tariffs by 9.2pc at this moment.The reasons given, namely rising market prices, higher transmission fees and the green agenda, all have some truth to them.But it is slightly odd that wholesale energy prices are rising when there has been an abnormally warm autumn, when fracking has demolished the gas price across the Atlantic and when oil prices have been coming down, with the lessening of tension in the Middle East. Cynics among us might conclude it is the 'Miliband' effect, following his promise to freeze power prices until 2017, if Labour should win office. It would be prudent management to pre-empt the freeze over the next 18 months.Paradoxically, Centrica-owned British Gas could be helping to smooth Labour's path to power. Utility prices continue to push up the cost of living at a time when average wages are rising by just 0.7pc. Now that unemployment is coming down so fast, attacking the cost of living is proving a potent weapon.PHIL Bentley, the person most associated with British Gas price rises, can afford a wry smile of relief as he leaves behind Britain for a new berth as chief executive of Cable & Wireless Communications in sultry Miami.Bentley wanted a CEO's job and now he has it. His main task will be to modernise the network and see off rival Digicel that has been eating CWC's cake from Jamaica to Barbados.It is a job that will require all of the finesse he has shown in the past.Copyright: ___ (c)2013 Daily Mail (London, ) Visit the Daily Mail (London, ) at .dailymail.co.uk/home/index.html Distributed by MCT Information Services迷你倉

本報記者劉輝通訊員王樹瑜又是丹桂飄香時，self storage浦城迎來豐收季。在浦城正大生化有限公司浦潭新廠區，工人正在新建的“泰樂菌素”車間調試設備，生產線將于本月底投產；聖農肉雞全產業鏈項目進展順利，7個雞場進種雞，飼料廠一期11月試產，11月10日供飼料；……“浦城生態好，發展空間大，但依然是傳統農業縣，經濟總量小、基礎薄弱，我們必須堅持綠色發展、生態立縣、產業興縣，通過發揮生態優勢、資源優勢、政策優勢，構建閩浙贛邊界南接北連的產業窪地、現代農業的示範基地、山清水秀的宜居福地、底蘊深厚的文化高地。”浦城縣委書記黃書榮說。三省通衢，綠色資源成優勢曾經，浦城是福建最偏遠的縣，關隘重重的千年仙霞古道，以斑駁的石階敘述著出入的艱辛。如今，浦南、龍浦兩條高速公路相繼建成通車，205國道和省道302線建成，浦建龍梅鐵路開始規劃建設，浦城到武夷山、浙江衢州機場均僅一小時車程，到寧德三都澳港口約180公里；境內縣道、鄉道總里程1000余公里，四通八達的公路網已然形成，閩浙贛三省通衢名副其實。交通瓶頸突破了，讓浦城的生態優勢、資源優勢日益凸顯。浦城西北為武夷山脈的延伸，東北為仙霞山脈的延伸，是閩江、信江、甌江“三江”源頭，森林覆蓋率72.06%，有國家級森林公園匡山、省級風景名勝區浮蓋山等優質旅遊生態資源。浦城擁有中國丹桂之鄉、中國油茶之鄉、中華靈芝城等品牌，薏米、桂花是國家地理標誌保護產品，生產“靈芝孢子粉”的企業仙芝樓是國家標準制定者。丹桂、薏米、靈芝，加上油茶，成為浦城“3﹢1”特色農產品。10月7日，長假最後一天，觀賞“丹桂王”九龍桂的遊客仍絡繹不絕。據統計，國慶黃金周到浦城賞桂、購買樹苗的遊客有3萬多人次，全縣幾十家賓館、酒店全部客滿。目前，浦城丹桂種植面積已突破7萬畝，年產丹桂鮮花5000噸，年均繁育丹桂苗木2億多株，居全國第一。全縣種植丹桂效益超千萬元的有20多戶，百萬以上的達200多戶，10余萬農民受益。資源就是優勢。浦城努力把綠色生態優勢轉化為發展優勢、競爭優勢，重點培育食品加工、生物制藥、新型輕紡輕工等與生態、資源優勢緊密相關、發展潛力巨大的產業。下轉第2版（上接第1版）南接北連，產業窪地謀集聚浦城自古就是商賈雲集之地，五大會館遺址見證著當年的繁華。近年來，隨著交通條件的改善，人流、物流、信息流、資金流聚集，為浦城構建閩浙贛邊界南接北連的產業窪地創造了有利條件。建設窪地，需要平台。浦城縣重點抓榮華山產業組團新型輕紡工業園建設，加速生物專業園建設，推動以新型輕紡工業園為主的新型輕紡輕工產業、以聖農肉雞全產業鏈配套項目為主的食品加工產業和以正大、綠康產能擴張為主的生物制藥產業等三大產業發展格局的形成，打造良好的投資硬環境。同時，加快推進新城建設，實現與榮華山組團有機對接，做到城市與產業相互融合，共同發展。平台發展，綠色為重。浦城在產業發展上花巨資建設環mini storage設施，改善生態環境，吸引企業落地，聚集綠色產業。距縣城5公里的榮華山產業組團，主要定位是新型輕紡工業園。這裡不似常見的工業園區一馬平川，而是充分利用現有地形地貌，保留地勢高、植被好的山體作為天然綠色屏障和森林公園，做到“山旁有廠、廠旁有山”。“我們在產業項目上嚴格把關。”榮華山產業組團管委會副主任葉芳表示。本來根據當地的水、空氣容量，園區測算最多能容納178條合成革生產線，按照極端條件給予一定比例的環保預留後能建設145條。去年底，園區再次對水容量進行評估，決定從綠色發展考慮，減少合成革生產線至100條。為此，園區耐心勸退了四五家企業。門檻高了，靠什麼吸引投資商？浦城縣深化行政審批制度改革，加快政府職能轉變，精心營造“愛商、親商、重商”的投資軟環境。石家莊合圓化纖有限公司老總田先生就是被當地的招商軟環境所吸引的。2011年，由於供地跟不上，田先生放棄了在園區的投資回老家。園區工作人員持續不斷聯繫溝通，以真誠感動了田先生，他不僅決定再次投資浦城，而且引來改性再生纖維生產等6個項目抱團投資8億元，在榮華山新型輕紡工業園建設錦綸生產基地。如今，該產業組團已簽約入駐項目64個，竣工投產25個。底蘊深厚，文化產業盼崛起近年來，浦城縣通過對文化資源的整合，挖掘、傳承和弘揚豐厚的文化，提高文化軟實力，促進文化產業發展，逐漸走出一條獨具特色的發展之路。浦城以文化資源為依托，把時代精神注入傳統民間藝術，按照“創意引領、項目支撐”的思路，加強文化產業項目的策劃包裝，推進文化與科技、旅遊、建築等產業的融合，搞好文化產業的招商引資。在閩派古琴的保護傳承上，選派專人到閩派古琴研究專家處學習，對古琴譜進行修整重印。以浦城贛劇傳承與發展中心為依托，創建閩派古琴培訓基地，常年對外招生培訓古琴演奏技藝；在縣文化館設立閩派古琴研習所，在全縣4所中小學開設古琴培育基地，開辦古琴興趣班，有力推動閩派古琴的保護傳承。浦城剪花嫂“剪”出新產業。浦城剪紙在剪花嫂剪紙坊的帶動下，形成年產3000幅手工剪紙的能力，剪花嫂們利用剪紙元素，開發出印有剪紙圖案的絲巾、領帶、折扇、茶具、瓷器等10多種精美剪紙衍生品，每年銷往海內外5萬余件。投資3.1億元的中華桂花博覽園項目建設全面推進，將建成集桂花苗木繁育區、交易區、體驗區、休閒觀光區、科技研發區、丹桂文化展示區為一體的文化產業園。有著600多年曆史的臨江鎮安橋修復全面竣工，清代建築三山會館修繕一新……浦城縣西，夢筆山巍然矗立。當年才子江淹在此夢見仙人贈送一支神筆而著文章。如今，文化產業正成為推動浦城發展的重要力量。“作為傳統農業縣，浦城在現代農業、旅遊、大型商貿物流等方面大項目、好項目不多，高層次人才缺乏，社會事業欠賬多，為此，仍需要通過各方支持、借勢借力，同時，主動作為、尋求突破，努力實現生態美與百姓富有機結合的綠色崛起新夢想。”黃書榮說。迷你倉

Source: Tulsa World, Okla.儲存Oct. 18--Dear Action Line: I must have missed it but are these "credit repair" outfits now considered legitimate? I still see ads for them on late-night cable, saying their programs can remove negative information from credit reports. Can they really? -- W.K., Tulsa"There is really no quick fix for a bad credit score," said Arkansas Attorney General Dustin McDaniel in a consumer warning sent to Arkansans. Scams usually hit Arkansas before they roll into Oklahoma. "Con artists nevertheless take advantage of consumers by promising to restore their credit. They prey on their need for a good credit history and guarantee results, if only the consumer forks over hundreds of dollars in advance."Rip-off repair: "So-called credit-repair companies are unable to do anything legally that consumers can't do for themselves at little or no cost," he said. "These businesses are great at taking consumers' money but not at solving credit problems."Credit-repair companies commonly advertise that they can "erase bad credit" and offer a "fast and easy way" to get rid of bad credit histories. Their ads are appealing to many consumers with poor credit histories, as bad credit reports can raise interest rates on loans, insurance premiums and sour suitability for good jobs.Federal law: McDaniel said there are no easy or quick ways to repair any accurate, negative credit history. Further, the Federal Credit Repair Organizations Act prevents a for-profit organization from accepting up-front fees for "credit repair." The Federal Trade Commission enforces this but at this writing, attempting to visit the FTC website produced only the statement, "Unfortunately, the Federal Trade Commission is closed due to the government shutdown."Hopefully that situation will be resolved within a week. Until then, see t迷你倉e act at bit.ly/OFVZOyFederal law prohibits credit-repair organizations from making false claims or promises about their services. In addition to the prohibition against charging advance fees, credit-repair companies must provide consumers with a written contract. Consumers have three days to cancel the contract without paying any fees, McDaniel said.Tulsa credit repairers: The Tulsa Better Business Bureau website listed seven credit repair companies in Tulsa, Broken Arrow and Owasso and each has an "F" rating.The first one listed, Expedited Credit in downtown Tulsa, also has an F rating, due to "BBB concerns with the industry in which this business operates." A consumer alert on it issued by the Tulsa BBB states, "This company first came to our attention July 8, 2011. Callers nationally informed us they found an ad on Craig's List offering 'permanent trade lines,' CPNs and guaranteed $1 million in funding. Callers further explained, after speaking with Expedited Credit representatives, they could have a credit sweep done for $1,000. If they wanted trade lines that would cost $600 each."The Tulsa Better Business Bureau investigated the company and found the address listed on its website belongs to an executive suite for a Tulsa law firm. The firm's office manager informed us she has never heard of Expedited Credit and it is not located at or in the law firm suite address. BBB warns consumers contemplating using credit repair services that their services are illegal," the alert states.Submit Action Line questions by calling 918-699-8888, emailing phil.mulkins@TulsaWorld.com or by mailing them to Tulsa World Action Line, PO Box 1770, Tulsa OK 74102-1770.Copyright: ___ (c)2013 Tulsa World (Tulsa, Okla.) Visit Tulsa World (Tulsa, Okla.) at .tulsaworld.com Distributed by MCT Information Services儲存倉

Source: Tulsa World, Okla.迷你倉最平Oct. 18--Federal workers in northeast Oklahoma and throughout the nation went back to work Thursday, but it could be awhile before all facilities and services affected by the 16-day partial government shutdown are fully functional again.The Army Corps of Engineers, which has perhaps the largest federal presence in Tulsa, recalled all of its furloughed employees, but spokesman Ross Adkins said it might be several days before all facilities on the Oklahoma, Kansas and Texas lakes administered by the Corps' Tulsa Region office can be made ready for use."I know the lake managers want to get them up and running ASAP," Adkins said in an email. "With over 500 rec sites on 38 lakes, it will take a little time."Adkins said some facilities that are normally closed over the winter might not reopen until spring.Col. Max Moss of the Oklahoma National Guard said a decision about when to resume weekend drills will be made next week. He said he expects that drills missed because of the partial shutdown will be rescheduled.Furloughs directly affected thousands of Oklahoma federal employees and slowed or halted federal services depended upon by many thousands more. Possibly greater, if less obvious, was the partial shutdown's effect on business and individual confidence in the government and the economy.Gov. Mary Fallin, who was in Tulsa on Thursday morning to kick off her re-election campaign, said the lack of a long-term resolution to federal budget-related di迷你倉putes continues to be a problem."We have seen the effects of the shutdown in Oklahoma," she said. "When you create uncertainty in Washington, D.C., you create uncertainty for the business community."It is concerning what Washington is doing ... on the debt-ceiling limit," Fallin said. "Instability in our federal government does affect the states. We've seen that in (lower) sales-tax collections last month."The agreement reached Wednesday keeps the government fully funded only until Jan. 15. Reprieve from the debt limit lasts only until Feb. 7.As chairwoman of the National Governors Association, Fallin has a somewhat less partisan perspective on what has become a highly partisan era."It is not helpful to our state; it's not helpful to any state," she said. "All of our governors are concerned about what's going on in Washington."Randy Krehbiel 918-581-8365randy.krehbiel@tulsaworld.comOklahoma delegationU.S. Sen. Tom Coburn and Reps. Jim Bridenstine, James Lankford, Frank Lucas and Markwayne Mullin voted against the temporary budget agreement reached Wednesday night.Rep. Tom Cole voted for the deal and was one of four Republicans appointed by Speaker John Boehner to the conference committee assigned the job of working out a deficit-reduction plan.Sen. Jim Inhofe was unable to vote because he is recovering from heart surgery.Copyright: ___ (c)2013 Tulsa World (Tulsa, Okla.) Visit Tulsa World (Tulsa, Okla.) at .tulsaworld.com Distributed by MCT Information Services儲存

Source: Valley Morning Star, Harlingen, TexasOct.自存倉 18--HARLINGEN -- Area residents are expressing anger, disgust and disappointment over the federal government shutdown and the way Congress behaved during the impasse.Jasmine Perez, 22, of San Benito, said she has strong feelings on the subject."The whole government shutdown is just a temper tantrum," she said. "It's so selfish."Stacy Barton, 71, of Harlingen, said there should be a law that cancels checks for lawmakers every time the government shuts down. But that won't solve the problem, Barton said."We need to initiate a spirit of cooperation for the benefit of the American public," Barton said. "It's a grassroots movement that needs to be done by the people."Arnold Burkholder works six days a week and attends school full-time, so on his day off he does what he loves most: fishing. However, when he drove up to Adolph Thomae Jr. County Park to launch his boat recently, he was more than a little upset to find it closed because of the government shutdown."I think it's kind of dumb for them to shut down the parks," said Burkholder, 22, of Harlingen. "In the end, it's hurting the economy."While Danny Hoehne, a former Washington, D.C., police officer now living in Harlingen, considers himself pretty politically savvy, he said he was confused by the whole situation."I have tried to follow it, but I can't make heads or tails of it," Hoehne, 63, said.The Alexandria, Va., native now serves as president of the Rio Grande Valley Birding Festival. He said that as a Washington, D.C., police officer he would have had to turn away visitors from national monuments that were closed because of the shutdown."I would not like to be the one telling veterans you can't go in here," he said.He strongly disagreed with the 21-hour filibuster by Sen. Ted Cruz, R-Texas, to protest the Affordable Care Act, known as Obamacare.Hoehne said he believed that Cruz had a very narrow interest."It was a show of conservatism lacking the big picture," he said, adding that the big picture was "compromise."He said that both Democrats and Republicans shared responsibility in the shutdown. Although he considers himself a Republican, the Republicans behaved badly, he said."The Republicans have a heavy hand in it,"迷你倉he said. "It's a serious divide. Trying to keep up with things like this one has me stumped. I think it was an epic battle within the Beltway that nobody will remember in four months." The Beltway refers to the area around Washington, D.C., and also to matters involving officials of the U.S. government.Other residents have similar feelings about Cruz's filibuster."If it's just talk and talk and not making anything out of it. It's not going to accomplish anything," said Pat Lopez, 46.Burkholder said people are saying that Republicans had held the U.S. hostage."They wanted to get their own way," he said. "That's why it was shut down, because they couldn't agree. As far as wanting to help the American people, they need to stop what they are doing and start doing something that works. Because this stuff costs a lot of money."Estella Vasquez, 65, said that, although her husband works for the federal government and hadn't been paid in three weeks, they hadn't felt the pinch too much."At our age, we are OK," she said. "We don't have a house payment. I know it will affect a lot of younger people not being able to pay their mortgage."How did she feel about the behavior of Congress during the shutdown?"Don't even go there," she said strongly.The behavior of the lawmakers was "typical" said Carrie Leka, 50, of La Feria."It seems that they do that to get everybody in an uproar," she said. "Everybody's against each other. They don't want to listen to each other."Leka declined to say whether she is a Republican or a Democrat."Honestly, I don't vote because of this situation," she said. "They don't agree. They are for the people. What people? We are the people. They are just not working for us."Although the government is open again for the moment, it's only a temporary measure that will only last until early next year. There is still much to be done, said Carlos Quintanilla, 50, of San Benito."It's not settled," he said. "I think they should make a conclusion and see if they can settle it. There's a lot of people that are hurting."twhitehead@valleystar.comCopyright: ___ (c)2013 Valley Morning Star (Harlingen, Texas) Visit Valley Morning Star (Harlingen, Texas) at .valleymorningstar.com Distributed by MCT Information Servicesmini storage

雖然谷歌（Google）第三季盈利錄得36%按年升幅，迷你倉但由於搜索市場份額表現平庸，電腦桌面廣告的單位收益，也因智能手機和平板電腦的衝擊而下降。因此，雖然今次憑總體付費點擊數量增長26%，得以抵銷了單位價格按年跌8%造成的損失，但谷歌也必須繼續調整其運營策略，即更多地向手機和其他移動設備邁進。谷歌早前公布了截至9月底的第三季財報，顯示總營收為148.9億美元，按年增長12%，淨利潤29.7億美元，按年增長36%。受到業績表現強勁刺激，谷歌股價周四收市後，場外交易升8%至每股959.59美元，距離1000美元大關只差40美元。經歷了過去十多年的高速增長，谷歌在搜索市場的表現已逐漸趨於平緩；而由於傳統個人電腦受到智能手機及平板電腦的衝擊，使得谷歌在桌面端的廣告收益也有所下降：上一季，品牌商每次點擊需支付給谷歌的費用即下降了6個百分點，這個季度，該項數據再下降4個百分點，按年跌8%，為連續第八個季度下滑。不過，得益於總體付費點擊數量增加26%，抵制住了單位價格下降的儲存倉勢。雖然谷歌拿出了好於預期的第三季度財報後，股東們又在本周四的盤後交易中，將股票推高了8%，但該公司仍然面臨移動時代的巨大挑戰。據數碼行銷公司Search Agency的數據，上季度谷歌在電腦上得到的廣告點擊數量幾乎與之前持平，而平板電腦上的點擊量增加了63%，手機則增加了一倍以上。與此同時，電腦廣告正在變得更加個人化和自動化。隨�廣告業的形勢轉變，谷歌也開始向廣告商提供新工具。上周，該公司宣布了一項改動，即允許用戶將照片、評論等社交網絡活動顯示在網路廣告上。此外，為爭取更多電視廣告業務，該公司推出了兩款新產品─用於在電視上看網路視頻的Chromecast， 首席執行官拉里佩奇（Larry Page）形容該產品已很暢銷；此外，超高速互聯網和電視接入服務GoogleFiber目前也可在堪薩斯州堪薩斯城使用。不過，谷歌也在一系列的創新中，招惹了諸多質疑和批評。谷歌高層還強調，公司也將�力開發硬體和商務服務等非廣告類業務。谷歌旗下摩托羅拉移動部門已推出了Moto X。迷你倉最平

Source: The Sun, Yuma, Ariz.儲存倉Oct. 18--Renee Smith received the 2013 Annual Tribute of the Muses Award during a special event held at the Historic Yuma Theatre Thursday evening.The Muse award honors a local artist, advocate, arts philanthropist, or group that has demonstrated consistent and determined efforts in the arts or in support of the arts in the Yuma community.Other nominees included Darin Fenger, Robert McCain, Cindy Turrentine, and the Yuma Rotary Club.In addition, Mary Plante received the 2013 Helios Award, given to a young person or an individual new-to-the-arts who demonstrates outstanding desire to be an artist, advocate, or supporter of the arts. Other Helios nominees included dance instructor Amy Richardson and artist Benjamin Russell.Both Smith and Plante were chosen from among their peers to be honored by the city of Yuma Parks, Arts, and Recreation Commission (PARC). Smith was nominated for her outstanding leadership in resurrecting and restoring the Yuma Fine Arts Association (YFA), which almost became defunct about one year ago.With support from the city of Yuma and the broader community, a new board of trustees was created with Smith leading the vital mission to save YFA. The organization under Renee's leadership has thrived, grown and YFA has resumed its busy event and exhibition schedule."It is important to bring art to Yuma," Smith said. "It is important to sustain it, to teach our children to appreciate it, to support our artists. I very much appreciate the opportunity to stand up here and acknowledge" the arts community.Smith was "really surprised" to be chosen for the award, she added. "I was honored to be nominated. I think when we took over a year ago we didn't know what we were getting into, and I have loved every minute of it. Honestly, the people I work with are truly phenomenal people, and to be hon迷你倉最平red for this and what we are doing is validating for the effort we have put in and the vision that we have. It has been a dream this year to engage in Yuma Fine Arts Association... and bring it to the front and center of everyone's attention."Smith credited her success to the positive people in her life who have aided her endeavors including both former and current YFAA board members."I am blessed beyond words," she said. "When you spend time with artistic people, it makes you a better person. When you surround yourself with amazing people, you do amazing things. I am here because I am around amazing people every day."Plante has been actively involved in the performing arts her entire life. Her training and experience encompass theatre, music and dance. Currently she is the new drama teacher at Gila Ridge High School."This is incredible," Plante said. "Thank you to the Parks Arts and Recreation Committee for putting this together. I can't believe how much work has gone into this. I'm really, really impressed."Plante enjoys being able to bring joy into her students' lives through the arts."One of the things I'm noticing as a teacher in my first year is that a lot of the kids come from broken homes, or homes that are in very bad positions financially right now because of the furlough, the government shut down and... because we have" a large number of unemployed residents in Yuma, she said."These kids really struggle with all sorts of things... terrible issues that can be invisible to us. They turn to the arts for refuge and for community and also to create something beautiful in spite of the challenges they face, and they need" those who create, teach, and contribute to the arts "to support them."Copyright: ___ (c)2013 The Sun (Yuma, Ariz.) Visit The Sun (Yuma, Ariz.) at .yumasun.com Distributed by MCT Information Services迷你倉

URL:.chinanews.com.cn/gn/2013/10-19/5399625.shtml　　昨天，迷你倉中紀委監察部在官方網站上“曬”出了“兩節”專題舉報“成績單”。據統計，截至10月7日24時，中央紀委黨風政風監督室共接到專題舉報917件，其中網絡舉報801件占舉報量的近九成。　　節前要求狠剎不正之風　　9月3日，中央紀委和中央黨的群�路線教育實踐活動領導小組聯合下發通知，要求堅決剎住用公款送節禮、公款吃喝、公款旅遊和奢侈浪費等不正之風。　　9月13日，中央紀委黨風政風監督室在中央紀委監察部網站發佈公告，歡迎群�舉報中秋國慶期間違反通知規定的行為，並公佈了舉報電話、舉報網站和舉報信郵寄地址。　　中紀委風政風監督室有關負責人介紹，截至10月7日24時，中央紀委黨風政風監督室共接到專題舉報917件。其中，網絡舉報801件，紙質信函舉報116件。　　五類問題要求“快查嚴辦”　　據瞭解，群�針對“兩節”期間不正之風的舉報主要集中在以下五個方面：一是公款送月餅送節禮；二是公款大吃大喝或安排與公務無關的宴請；三是用公款安排旅遊、健身和高消費娛樂活動；四是違規配備使用公務用車；五是以各種名義突擊花錢和濫發津貼、補貼、獎金、實物等。　　鑒於“兩節”期間專題舉報的時效性和專門性，中紀委建立了對反映“兩節”期間公款送禮、公款吃喝等問題信訪舉報件的快速辦理機制，做到“快查嚴辦”。　　元旦春節糾“四風”將�動　　據統計，截至8月底，全國共查處違反中央八項規定精神的問題12099起，處理13999人，其中給予黨紀政紀處分2814人。截至目前，中央紀委先後3次共對22起違反中央八項規定精神典型問題進行了通報。各地區各部門也集中通報了一批查處的典型問題，起到了警示震懾作用。　　中紀委黨風政風監督室有關負責人表示：“糾正‘四風’不堅持不足以深化，要將重要時間節點連成線，抓完中秋國慶，再抓元旦春節，一抓到底，久久為功。對有令不行、有禁不止的頂風違紀行為，必須嚴格責任追究、鐵面執紀。”　　■相關新聞　　中紀委副書記吳玉良解讀中紀委歷史沿革　　“中紀委對腐敗分子是永遠出鞘的利劍”　　昨天上午，中央紀委副書記吳玉良做客中央紀委監察部網站，就“中央紀委的歷史沿革和地位、職能、作用”與網友在線交流。吳玉良表示，中央紀委歷史沿革跨度86年，依據黨章承擔“三項任務”和“五項經常性工作”。對腐敗分子而言，紀委就是一把永遠出鞘的利劍。　　>>談職責　　對腐敗分子是利劍　　吳玉良在訪談中首先回顧了中央紀委的歷史沿革。　　他說，嚴明的黨紀是我們黨創建、發展、壯大的根本保障，也是我們黨區別于其他政黨的顯著標誌。要維護黨的紀律和反對腐敗，除了有思想政治保證外，還必須有組織保證。這個組織就是黨的紀律檢查機關。中央紀委歷史沿革跨度有86年，包括建國前、建國後和改革開放以來三個階段。不同歷史時期紀委的職責不同，但有一條始終不變，就是嚴明黨的紀律，查處腐敗行為，維護黨的集中統一。　　就其功能來說，主要包括教育、制度、監督、保護、糾風、預防和懲處，其中懲處是其他機構所不能代替的。對腐敗分子而言，紀委就是一把永遠出鞘的利劍。　　>>談機構　　中紀委不是神秘機關　　吳玉良說，黨的紀律檢查機構的產生方式在不同歷史時期也是有變化的。1982年十二大黨章規定：黨mini storage紀律檢查委員會與黨的委員會一樣，都由同級黨的最高權力機關——代表大會選舉產生，地方紀委在同級黨委和上級紀委雙重領導下進行工作。十二大確立的紀檢機關的產生方式和職能、機構、任務一直延續至今。　　針對有網友提出“中紀委是個很神秘的機關”的問題，吳玉良說，中紀委不是一個神秘的機關，不應該是一個神秘的機關。過去，黨的紀檢機關主要面向黨內，與社會公�打交道少。改革開放以來，群�對黨風廉政建設和反腐工作越來越關注，中紀委和地方各級紀委也表現出越來越開放的姿態。　　◎中紀委三項主要任務　　1.維護黨的章程和其他重要的規章制度；2.協助黨的委員會整頓黨風；3.檢查黨的路線、方針、政策和決議的執行情況。　　◎中紀委五項經常性工作　　1.經常對黨員進行遵守紀律的教育，作出關於維護黨紀的決定；　　2.檢查和處理黨的組織和黨員違犯黨章黨紀和國家法律法令的比較重要或複雜的案件，決定或取消對這些案件中的黨員的處分；　　3.受理黨員的控告和申訴；　　4.對黨員領導幹部行使權力進行監督；5.保障黨員的權利。　　1927年　　1927年4月，中共五大設立中央監察委員會，並選舉了中央監察委員會委員。這是中央紀律檢查委員會的前身。　　1928年6月中共六大通過的《中國共產黨章程》，將“監察委員會”改為“審查委員會”。　　1933年設立中央黨務委員會。　　1934年　　1934年六屆五中全會選舉產生了中央黨務委員會。抗日戰爭時期，中央黨務委員會由中央組織部代管。　　1949年　　1949年10月，中央人民政府委員會第三次會議決定成立中央人民政府政務院人民監察委員會。1949年11月，決定成立11人組成的中共中央紀律檢查委員會。　　1954年　　1954年9月，根據憲法和國務院組織法，政務院改為國務院，政務院人民監察委員會改為國務院監察部。　　1955年　　1955年3月，決定成立黨的中央和地方監察委員會，代替各級黨的紀律檢查委員會。　　1959年　　1959年4月，因國家管理體制調整，撤銷監察部。　　1962年　　1962年9月，中共八屆十中全會擴大了中共中央監察委員會的名額，調整了中共中央監察委員會領導成員。　　1969年　　1969年4月，中國共產黨第九次全國代表大會通過的《中國共產黨章程》取消了黨的監察機關的條款，撤銷了中央監察委員會。　　1977年　　1977年8月，中國共產黨第十一次全國代表大會通過的《中國共產黨章程》重新恢複了設置黨的紀律檢查委員會的條款，規定各級紀委由同級黨委選舉產生。　　1982年　　1982年9月，中共十二大通過的《中國共產黨章程》規定，黨的各級紀律檢查委員會都由同級黨的代表大會選舉產生。黨的中央紀律檢查委員會在黨的中央委員會領導下進行工作。黨的地方各級紀律檢查委員會在同級黨的委員會和上級紀律檢查委員會的雙重領導下進行工作。　　1986年　　1986年12月，第六屆全國人民代表大會常務委員會第十八次會議決定設立中華人民共和國監察部。1987年7月，監察部正式掛牌辦公。　　1993年　　1993年1月，黨中央、國務院決定中央紀律檢查委員會與監察部合署辦公，實行一套工作機構、兩個機關名稱，履行黨的紀律檢查和政府行政監察兩項職能。　　中紀委監察部歷史沿革(資料來源：中紀委監察部網站)　　京華時報記者張然儲存

URL:.chinanews.com.cn/fz/2013/10-19/5399819.shtml　　“土豪”賭波最大一注過百萬　　順德陳村警方破獲一起特大網絡賭球案11人落網 涉案金額超千萬　　順德警方昨日通報，存倉陳村派出所在順德區公安局的協助下，成功破獲一起特大網絡賭球案，抓獲賭博團伙成員11人，凍結贓款100余萬元，現場查扣銀行卡、電腦、手機、賬本等涉案物品一大批，涉案金額超過1000萬元。目前，該團伙中朱某等8人因涉嫌開設賭場罪被逮捕、2人被取保候審、1人被教育釋放。　　據介紹，抓獲的11人都比較有錢，部分成員甚至開法拉利、保時捷級別的豪車，“到目前為止，所有成員都沒有悔意，認為自己有正當賺錢渠道，賭球只是‘小遊戲’而已。”辦案人員陳警官介紹。　　案情：賭徒兩月輸掉24萬元　　這一“富豪賭球圈”是在6月初被發現的，陳村派出所民警偵查到， 朱某(男，32歲，佛山禪城人)等一伙不法分子分別在佛山市禪城區、南海區和順德區陳村鎮利用網絡進行賭博。　　8月30日凌晨，陳村派出所出動警力110多人，在禪城、南海、陳村等地同時展開抓捕， 一舉抓獲朱某等涉案人員11人，現場查扣作案電腦、手機、賬本、銀行卡等涉案物品一大批，凍結贓款100余萬元。　　據調查，去年底，犯罪嫌疑人吳某(男，29歲，佛山南海人) 等人通過境外賭博網站組織賭球，主要以歐洲五大足球聯賽的賽果作為投注對象。該“富豪賭球圈”下注大方，其中“代理”朱某收到的最大一筆投注達130萬元，而每次代理投注朱某能獲得1%的傭金，共獲利約4.88萬元。而朱某的下線傅某從今年6月1日至8月27日，通過3個會員賬號共投注485次，投注金額達168.663萬元，結果兩個多月就輸了24萬元。為了賺錢，傅某也通過介紹發展下線投注，從中收取傭金，共接受投注134多萬元儲存獲利8萬多元。　　賭球集團揭秘：　　隱秘：網站賬號密碼常常換　　根據警方掌握的資料，此11人組成的“富豪賭球圈”，絕大多數成員都屬於收入極高的“土豪一族”。因為警方不斷高壓掃賭，加上都是社會成功人士，所以採取極其隱秘的方式進行網絡賭博，而且該賭博網站還經常更換網址、賬號和密碼以防止公安機關偵查，其組織結構嚴密，成員間連打電話都用“暗語”。　　因為是“富豪賭球圈”，不同于其他賭球集團，如果只是欠一兩萬元的“小錢”，一般只是一到兩個月才進行資金交收，只有上了十幾萬元甚至幾十萬元的額度，才會在一周時間內完成交收。　　暗號：“一蚊雞”代表一萬元　　另外，該網站通過預支信用額度套牢賭客，形成“不花錢就可以賭博贏錢”的假象。每個成員都會被上級賦予一個虛擬的信用額度，成員在信用額度之內就可以任意下注，而不必使用現金，讓很多人心存“空手套白狼”的僥倖心理。另外，每場賭局都通過網上投注和銀行賬戶資金結算的方式進行運作，形式非常隱蔽。　　如果萬一無法上網，被迫要用電話聯繫，該集團還會使用“暗語”，“比如用英文的ABC表示數字，一個B就是1000元；還有更獨特的暗語，比如下‘一蚊’，外人聽見以為只下注一元，其實是足足下了一萬元人民幣。”辦案民警陳警官說道。　　賭球組織嚴密只能單線聯繫　　為防止被“一窩端”，此“富豪賭球圈”採取的是樹狀結構單線聯繫，會員分為三級制度，“總代理”、“代理”、“成員”，每一級都可以發展下線。在結構中，除了“總代理”，其餘所有人只認識自己的一個上線和自己發展的下線，線與線之間的人員互相不認識，即使在每一條線本身，會員也不知道自己上級的上級身份。　　會員之間從不聚會，所有人都在一個網址下參與賭球。根據目前掌握的情況，除了被抓的11個核心成員外，還有100多名會員。　　(記者曾毅 通訊員羅利鵬、梁曉茵)迷你倉

Mid-life mods make BMW 535i more refined and M5 a tad more brutalFacelifts can be divided roughly into two categories - extensive head-to-toe makeovers; and light, almost unnoticeable touch-ups.儲存倉The BMW 5-series undoubtedly belongs to the latter group. Which is a bold decision by the Bavarian manufacturer, especially since its arch rival, Mercedes-Benz, has chosen the more extensive route for its E-class mid-life upgrade.Tweaks to the 5-series sedan are so minor, you will miss them if you blink.They include subtle contour lines around the car's radiator grille and a new styling for its lower air intakes. An extra crease in the apron and slimmer rear lights give the illusion of a wider car (so BMW insists).Adaptive LED headlights are now standard, along with LED fog lamps.The car has grown in length by mere millimetres but the wheelbase remains unchanged.The fine-tuning is not confined to visuals, though. The gearbox has been reprogrammed for better response, resulting in an improvement in 0-100kmh timing (5.7 seconds versus 6.1 originally) as well as better fuel economy.In the chassis, both the double- wishbone front axle and the integral rear axle are now made largely from aluminium. This allows the spring and damper systems to respond with great precision to road ruts.You would not expect these modifications to amount to much. But they actually do, surprisingly.The 5er looks quite elegant after its nip and tuck. More modern and classy, without the "shout from the mountain top" effect that others try to achieve by reworking, almost forcibly, an existing identity.Yet, the revisions do not diminish the value of pre-facelift 5-series cars, simply because the cars still look essentially the same.The drive, however, is noticeably better. Whatever BMW has done to the drivetrain and chassis works. The ride is half a notch smoother, with more controlled movements over humps and other surface undulations.Noise and vibration levels from the road have also come down.With its modified ratios, the car's eight-speed transmission seems more attuned to the demands of urban motoring. Which means more effortless stop-starts and less noticeable cog swopping.Digital graphic meters onboard show that most tasks are accomplished with half the 3-litre turbo's peak torque of 400Nm (available from just 1,200rpm) and less than one-third of its maximum power output of 306bhp.Even on an open highway, the 5er sails languidly along, p迷你倉最平ssing other road users without much movement in the tachometer.If the intent was to make the car more refined and relaxed, BMW certainly has succeeded.The tack is somewhat different for the M5. The steroid-fed sibling of the 5-series sedan has also undergone a mid-life revision, but instead of enhanced sophistication, you get enhanced sportiness.The official literature makes no mention of it but the M5 has taken on a meaner demeanour. On the go, even with no more than 2,000rpm on the counter, the car sounds more menacing than previously.A distinct V8 rumble permeates the cabin, making any grocery run or school drop less of a chore and more of an occasion. After a while, you wonder if you should adopt a get-up to go with the American muscle-car persona.The Competition version of the M5 is more of a greased lightning than before. With more turbo boost towards the high end of the rev range, its 4.4-litre turbocharged V8 gets 15bhp more than before.Of course, you hardly get to experience this in everyday motoring. In fact, you do not need even a quarter of its maximum output of 575bhp on the road.With 680Nm attainable from 1,500rpm, there is often more shove than you know what to do with.Wearing new and lighter wheels shod with very low-profile tyres, the M5 serves up a decidedly firm ride. This suits the car just fine on the track, as does the additional juice it gets from around 5,000rpm.On public roads, you will have to be content with the more apparent aural feedback, and the knowledge that the car has more power.Of course, the M5's value proposition of delivering high precision motoring and high-octane performance on a fairly accessible platform is still very much intact.Tweaks elsewhere are cosmetic and largely similar to what you see on the 5er sedan.The M5's leather steering wheel gets a new design though, with the third vertical spoke that mimics the twin-spoke rim design of its alloy wheels.The wheel design, by the way, shows off the car's enormous brake discs. You can make yours more distinctive by picking ceramic brakes, now available as an option.On the whole, the M5 is clearly overkill for most folks. Especially when the far less expensive 535i already offers such a high level of driveability and enjoyment. But in a perverse way, the M5 may actually offer more "value" - its price has increased by 17 per cent, while the 535i's has gone up by 23 per cent since the initial launch.christan@sph.com.sg迷你倉

（中國 上海17日訊）中國上海復旦大學近日在實驗室內，儲存成功透過一盞LED燈讓4部電腦上網，速度更達每秒150MB，不輸給光纖網絡，大學將會在下月舉行的上海工博會上展出樣板機。上海復旦大學的信息科學與工程學院指出，研究人員在實驗室內將上網信號接入一個只有1W的LED燈泡，在燈光之下的電腦便能上網，最高傳送速度達3.25GB，實際上網速度則約在150MB水平。研迷你倉人員同時進行一個燈泡讓4部電腦上網、電腦之間互傳資料的試驗。該學院教授遲楠指出，研究員在普通LED燈泡上裝上晶片，可以控制它每秒閃動數百萬次，由於頻率太快，眼睛根本無法察覺，而燈泡亮著代表1、熄滅代表0，信號變成如同摩斯密碼般傳送，裝有接收裝置的電腦便可“讀懂”燈光里的資料。有專家稱新技術可滲透現時的通訊死角，但資訊科技界人士則質疑，新技術應用上會有很多局限。;儲存倉

楚天都市報訊 最近，自存倉關於長假如何安排的爭論，在網絡持續火熱。現行長假安排為人們所詬病：一是數量不足。一些人對長假制度不滿意，並非是認為長假不好，而是因為長假不夠；二是分佈不均。兩個黃金周之間相隔達8個月，這也是造成長假外出出現“井噴”的直接誘因。而要標本兼治地解決此問題，亟需制定一個長假安排“升級版”。在筆者看來，升級的主要原則是增加並均衡安排長假。這裡有兩個思路可供參考：其一，在現行安排基礎上增加兩個黃金周，一是恢複“五一”黃金周，二是在7、8月間增加一個黃金周。這樣每年基本保證了每個季度都有一個黃金周。其二，分散和多元小長假安排，比如施行每周6天工作制，周末休1天，這樣每月就節餘了4天左右的假期，集中在每個月末放1個小長假。這樣每年除春節所迷你倉月份便有11個4天左右的小長假。當然，具體的安排和細節問題，還需要進一步結合傳統慣例和文化心理，以作更為詳細的論證與周全的安排。這樣安排的好處在於：其一，可以大力滿足人民群�日益增長並不斷強化的出行、旅遊和消費剛性需求。人們一年四季都有長假機會飽收各地各時段美景，可以充分並且全方位地滿足出行需求。其二，有利於拉動內需，穩固“假日經濟”；其三，有效錯開相對集中的節假日出行，減輕交通、旅遊等行業的壓力。調整後的安排可以達到“以時間換空間”的效果，有效減輕“人滿為患”的“黃金粥”問題。應對長假亂象，近年來也有不少探索，但這些似乎都未能起到“立竿見影”的作用。要想標本兼治地應對此問題，打造長假安排“升級版”應是“源頭活水”。徐頑強 華中科技大學管理學教授mini storage

玩指紋辨識的iPhone5s好威風嗎？HTC One max一出大玩三隻手指！除了其中一隻手指可以開機解鎖，迷你倉餘下的兩個指紋，你可自行設定開啟特選程式；食指開機、中指開相機、無名指上面書，功能又點止保密、保安咁簡單！記者：蘇家華攝影：陳盛臣、林�鈞模特兒：Kalin@Pure Models加大版One極墜手One max外觀與One十分相近，同樣起用鋁金屬機身，基於屏幕加大至5.9吋，拿上手的感覺是極墜手，女生使用這部217g的手機，觀感或者很有型，之不過個人覺得重了一點。手機規格主要承襲自One，同樣用上1080p全高清屏幕及1.7GHz Qualcomm Snapdragon600四核心處理器，所以觀賞影片的流暢度及色調，也如One一樣順暢，但色調亦一樣偏紅一點；保留f/2.0大光圈、28mm廣角的HTC UltraPixel相機鏡頭，以及BlinkFeed動態資訊頁面，用慣HTC手機的用家，相信不會感陌生。不過可惜剔除了Beats Audio音效優化功能，但就內置《塗鴉》程式，可以像Note3、Xperia ZU一樣自製心意卡送贈好友，亦因�機身放棄一體成形的設計，所文件倉底蓋可拆出，內置microSD卡槽，如果平常喜愛畫圖，又多把影片、相片檔案同步至手機的話，這些增值功能似乎不錯。機背驗證三指可存大家最關心的One max新功能，莫如相機鏡頭下方的指紋辨識模組，最多存取三組指紋，初始設定時，需要連續掃手指四次，約需二十秒左右時間，視乎掃描指紋的準確度而定。當中除跟5s一樣可以解除鎖機畫面外，也可以把不同指紋，分派於開啟相機功能或其他設定，實用性比iPhone5s更高。經過實試後，覺得One max由上至下掃描的驗證方式，不及iPhone5s只把手指放上Home鍵偵測的操作直接，也因為屏幕有5.9吋，以及上、下方皆設有BoomSound喇叭，所以機身會更顯長形，手細的女生當然不能瀟灑地用單手解鎖，手大的男生或者都須雙手操控。點睇保密成效？HTC One max處理器：1.7GHz四核心記憶體：2GB RAM、16GB ROM屏幕：5.9吋解像度：1,920×1,080作業系統：Android4.3相機鏡頭：HTC UltraPixel電池容量：3,300mAh其他功能：藍芽、NFC體積：164.5×82.5×10.29mm重量：217g試相區 存倉

隨著電子科技發展，迷你倉最平新類型高性能汽車均裝有大量微型電腦，用作提升引擎傳動或一切部件的運行準確程度。然而，電子系統廣泛應用，當發生故障時，維修便不能像過去只單靠經驗、運作的異常聲響來判斷那一個地方出現問題。一向以專業為服務宗旨的Fastwheel特別引入目前全港最新型號的汽車故障電腦診斷儀，配合另一台媲美原廠的故障維修指導手提電腦，更快捷找出故障所在，準確完成復修工作。 找出故障碼根治故障源頭 正如前文提及新類型汽車均裝有大量監察感應器，數據會傳送到微型電腦用來運算，就似一台引擎為例，當中空氣、油量、點火、油溫、水溫及排氣溫度已經裝有不少監察感應器，但不論任何一個部份出現問題，儀表板都只是亮起一個引擎警告燈，要單靠一個燈號找出問題所在完全是不可能的任務，何況能產生溫度高的原因有很多，水溫高油溫亦會同時提高，然後一直牽連至排氣溫度。維修時必定要找到問題的根源才能真正把問題修復，所以沒有維修專用的電腦，單以經驗判斷，除了有機會判斷出錯浪費時間，亦有可能浪費購買零件的金錢。 新類型汽車都設有自我診斷功能，而Fastwheel所引入的Leonardo汽車故障電腦診斷儀，就是能與行車電腦中接收不同感迷你倉器與行車電腦互相溝通時的電壓值的變化找出那一個位置電路出現故障。這套Leonardo汽車故障電腦診斷儀接駁非常簡單，只需把藍芽收發器與車輛的OBD II電腦診斷系統接駁。收發器便可和Leonardo主機連線，維修技術員只需輸入有關車輛的資料，系統便會自動找尋故障訊號的所在，並以文字告知維修技術員。假如只是一般的故障訊號，Leonardo可即時清除故障碼，假若是存在問題的訊號，維修技術員可透過另一台故障維修指導手提電腦，核對所有如溫度、流量或壓力等讀數，進一步確定問題所在。而且故障維修指導手提電腦，更會以圖片及文字逐一講解為維修步驟，維修技術員只需依照次序施工，流程清晰出錯機會極微。完成維修後只需再一次搜尋故障碼，如果是零讀數，便可確定問題已經根治，再加上測試結果，顧客維修自然倍感安心。 據Fastwheel負責人表示，除了以上Leonardo汽車故障電腦診斷儀及故障維修指導手提電腦外，亦同時間引進多台不同品牌的汽車故障電腦診斷儀，足以對應各意大利、德國、法國及英國品牌的名車，而且更特別邀請有豐富維修經驗的技師負責，服務自然能媲美大廠，顧客維修更有信心。 撰文：Law To 攝影：Law To 儲存

台交通部觀光局長謝謂君昨日在海峽兩岸台北旅展開幕致辭時說，未來推動兩岸旅遊優質、透明購物行程。他強調，兩岸規範旅遊的做法，是為建構良善理想旅遊環境創造雙贏。 據悉，此次台北旅展大陸展區總面積3816平方米，共設展位232個，參展總人數逾700人，是今年兩岸旅遊交流活動中大陸業界最大規模的團組。迷你倉

金管局總裁陳德霖率銀行公會代表團，儲存昨在北京拜訪國務院副總理馬凱和財政部高官。陳表示，馬凱明確指出，雖然全球不少地區在加快發展人民幣離岸業務，但都動搖不了香港作為首要離岸中心的地位，中央將堅定不移地支持香港發展國際金融中心。在中央批准上海發展自貿區、又批給倫敦800 億元人民幣RQFII 額度後，終有政策再惠及本港。前日人行表態積極考慮撤銷港人每日2 萬人民幣兌換限額，昨天更高層的領導人——分管金融的國務院副總理馬凱明言，中央政府會堅定不移地鞏固和支持香港國際金融中心的地位，並會充分發揮香mini storage在人民幣國際化進程中不可替代的功能和作用。馬凱：港四大優勢起步早近內地陳德霖又指，馬凱總結了香港保持首要離岸人民幣中心的四大優勢，第一，區域好，與內地經濟往來密切；第二，離岸業務起步早，有先行者優勢，試點均以香港為先；第三，離岸市場規模最大；第四，產品最多，已有點心債、A 股ETF、保險產品等。馬凱認為，人民幣離岸業務蛋糕會愈做愈大，預計未來5 年，中國進口商品可能達10 萬億美元，出口會更多，對外直接投資亦有5000 億美元，出國旅遊人口更可能達4 億人，因此跨境人民幣發展潛力仍然很大。self storage

各銀行陸續推出稅貸，建銀亞洲昨宣布相關優惠，特選客戶可以實際年利率1.95%借貸。面對市場競爭激烈，該行高級副總裁兼消費信貸業務部主管陳詩藹表示，息口最低的日子已過去，但認為該行的稅貸計劃仍具競爭力，加上宣傳攻勢，預期貸款額可上升三分一。自存倉

　　《小傳日記》雖然花旗國�債限成功延後，迷你倉令花旗國氣氛好番唔少，但噚日ＩＢＭ同高佬出�業績麻麻，令美股無晒力再彈上。而見到花旗國�邊無晒料到，缸友今日就將焦點放番�祖國到。祖國統計局公布，第三季ＧＤＰ按年升７﹒８％，算係做得唔錯，符合大家預期。於是好友今日都踴躍買貨，想追番噚日�失地。最後大隻佬指數升２４５點，收２３３４０，國貨指數就收１０６４４，升７５點。而見到咁多不明朗事件似乎消除�，所以今日入市�缸友都好放，成交彈到上６１３億銀。　　雖然今日魚缸借ＧＤＰ數據炒起，但有分析佬話，第三季之所以能夠增７﹒８％，係因為舊年同期�基數太低，仲叫大家唔好對第四季�增長咁樂觀咁話！＊濠賭有錢途日日高高高，小賭好興奮大賭更亢奮＊　　咁多個板塊之中最強勢�，都可以話係澳門賭業股，多隻股份自從９月頭起三日唔埋兩日又破頂。今日金沙（０１９２８）公布第三季純利大升近９成，條數咁靚，德銀都豎晒手指公畀個「Ｌｉｋｅ」，目標價升到６５蚊，今日股價都一下子抽高成９﹒２巴仙，又創新高，咁樣搞法，目標價咪好容易就到？另外其他大隻�賭股都全部破位；永利（０１１２８）繼續踢高４﹒３個巴仙，澳博（００８８０）升５﹒６個巴仙，新濠（００２００）同美高梅亦（０２２８２）各自執返４﹒２巴仙，銀娛（０００２７）揚４﹒１巴仙，真係一片歌舞昇平！　　唔單止大人開派對好開心，細路仔都一樣開香檳，二三線賭業股近期都一路衝高，當中海王（０００７０）最架勢，一口氣飆１７﹒１巴仙到４年高位，實德（００４８７）同奧瑪仕（００９５９）一樣生猛，分別執返８同５﹒８巴仙，而前陣子跑先過人�澳門勵駿（０１６８０）今日就冇其他咁搶鏡，升１巴仙收市。＊友邦盤數靚衝破四十關，人仔唱多�中銀開心�＊　　美國股市牛聲一片，國際金融股都交到功課。友邦（０１２９９）上季成績表繼續畀到市場驚喜，新業務價值同利率潤都相當理想，股價突破４０元創新高，收市埋單就升４﹒４巴仙。匯控（００００５）就比較「濕滯」，旗下匯融輸�單集體訴訟官司，要破紀錄賠成２４﹒６億美金，即係近２００億港紙，之不過大市氣氛好，股價都有得跟升，收市漲１巴仙。　　而家要唱人仔，兌出兌入都有限額，噚日ＭＡ「�命陳」就同人行建議，第日分分鐘港人唱人仔可以唔使就住兩萬銀，中銀（０２３８８）拍晒手掌，彈高１﹒２巴仙走人。　　講開大隻佬，要講埋隻騰訊（００７００），有報道話騰儲存倉同一�大型金融機構傾緊開發一�移動互聯網用戶理財產品，騰訊全日彈高２﹒３巴仙，又創新高！　　但聯想（００９９２）表現就曳�，有傳聞話佢地諗住收購黑莓，可能係全面收購或者只係收購一部分。但缸友好明顯對呢項收購非常唔睇好，一齊沽貨示威，聯想今日跌１﹒７巴仙，係表現最差�大隻佬。＊阿爺要沽貨龍源反跳舞，金價急抽升金股乏反應＊　　跟住落�繼續睇睇�祖國股份。首先睇睇新能源股，根據權益披露，龍源（００９１６）�星期二（１５日）被中投公司大手沽走足足３８５８萬股，雖然阿爺咁大手沽貨，但離奇地缸友一�都無驚過，反而衝晒落場買貨，龍源個價全日都做得唔錯。有口癢友話，阿爺�三中全會前沽貨，或者暗示會議上唔會公布刺激新能源股�政策。但點都好，今日龍源照升６﹒２巴仙散場，而大唐新能源（０１７９８）亦都唔理咁多升埋一份，埋單踢高０﹒６巴仙。華能新能源（００９５８）同華電福新（００８１６）就各升２同２﹒９巴仙先散場。　　另外又睇睇�金礦股表現。受到花旗國可能延後退市�影響，�金價噚日居然彈高３巴仙咁多！而今日�金礦股一早表現唔錯，但好快就回番落�。紫金（０２８９９）埋單升２﹒８巴仙，而國際資源（０１０５１）就踢高２﹒７巴仙散場。＊港視略反彈有線玩回吐，ＩＧＧ登場急上復急落＊　　跟進番早兩日�焦點電視股。話說噚日免費電視爭套戰落敗者王維基去到中大，同一班後生仔大型傾計會，之前話無後備計劃�魔童見到咁多社會新血一團火咁撐佢，當堂心中重燃鬥志，仲話為心中一個未成型�計劃打�強心針。今日香港電視（０１１３７）股價都繼續反彈，當然比起之前跌幅唔算係咩，不過一日收復返４﹒９個巴仙，都好過冇！至於已經升�成個開�有線寬頻（０１０９７）就繼續回吐１２﹒５巴仙，電盈（００００８）同電視廣播（００５１１）都同樣跌唔夠１巴仙。　　最後睇埋隻新股ＩＧＧ（０８００２），今早開報４﹒６８銀，比配售價２﹒８銀高足足６７巴仙，但好快就回番，最後收３﹒０８銀，比配售價高１０巴仙。假期愉快，請請！　　《編者按》本欄搜羅即日熱門傳聞，惟消息未經證實，《經濟通》亦不保證內容之準確性　　　　　　　本文只供參考之用，並不構成要約、招攬或邀請、誘使、任何不論種類或形式之　　　　　　　申述或訂立任何建議及推薦，讀者務請運用個人獨立思考能力自行作出投資決定　　　　　　　，如因相關建議招致損失，概與《經濟通》、編者及作者無涉。迷你倉最平

伴隨信托行業的突飛猛進，迷利倉身處中國房地產行業的黃金髮展期，平安信托已不再囿于僅僅是平安金融帝國的“投資工具”。近年來，平安低調而積極地在信托融資、股權投資等領域謀求創新、風生水起，房地產投資已經成為平安信托乃至於平安金融帝國板塊中一個靚眼的焦點☉記者 徐維強 ○編輯 于勇在平安龐大的險資投資中，不動產無疑是最受青睞的類別之一。遍佈各大城市、升值穩定且回報豐厚的不動產業，使得平安成為機構中名副其實的“樓王”。最新數據顯示，從2004年至今，平安信托在房地產領域自主投資及受托投資已經累計超過900億，預計2013年底投資額將突破千億。而如此�多而繁雜的不動產項目，則是交由隱身其後的平安信托來加以“操盤”。這些優質項目不僅成為平安的一枚枚“金蛋”，平安信托也由此成為地產投資領域的翹楚。伴隨著信托行業的突飛猛進，身處中國房地產行業的黃金髮展期，平安信托已不再囿于僅僅是平安金融帝國的“投資工具”。作為國內資本金最大的信托公司，近年來，平安低調而積極地在信托融資、股權投資等領域謀求創新、風生水起，房地產投資已經成為平安信托乃至於平安金融帝國板塊中一個亮眼的焦點。轉變定位 三大板塊支撐起900億地產投資不同于國內同業，平安信托在房地產投資領域的業務，源於最基礎的物業投資，而這與母公司平安集團有著最直接的關聯。在平安信托發展初期，被定位為平安集團戰略投資和戰略持股的平台，所有的投資業務都髮端于對集團資產的配置需求，因而平安信托的投資業務條線也由此組建。而隨著信托牌照的更換，中國的資產管理業務也取得迅猛發展，平安信托的定位也有了轉變，由最初的為集團進行投資配置的角色，轉化為謀求做市場專業的資產管理機構、投資管理人。在這一大的轉變之下，平安信托房地產投資的客戶群體也有所變化，平安集團成為“客戶之一”，並更多地為第三方個人和機構提供資產管理服務。平安在房地產領域的投資歷程，發軔于2003年開始做房地產業務的規劃和設計。隨著信托行業以及房地產行業的發展，到2008年，平安信托實現第一筆信托融資性業務，這類似于當前信托行業的整體業務。但平安信托與其他同行的不同之處，在於其建立了一個專業的房地產投資部門，在地產領域的人員組織配備以及專業性、對行業的瞭解，更具備一定的積累。到2009年，平安信托實現第一筆在房地產業務的股權投資。由此，這三大業務構成了當前平安信托在房地產領域的三大板塊。資金來源主要來自于三大部分。第一部分是保險資金為主的集團內部資金，這在平安信托的發展過程中曾起到重要作用，但伴隨險資投資渠道的放開而有所下降；第二部分是信托子公司自有資金，目前平安信托是國內註冊資本金和淨資產最大的信托公司，但近年來自有資金投資額度已經逐漸淡出減少；第三部分是迅速發展的第三方受托管理資金，而且是近年來快速增長，已經成為最主要來源，占比高達80%，而在平安信托900億投資中，除去已經退出項目仍有600億的存量，其中持有性物業、信托融資、股權投資的比重分別為30%、60%和10%。而在未來，股權基金的占比還將會有大幅攀升。板塊細分 新成立股權基金部如果說早期平安信托投資持有型物業是出于集團大量保險資金的配置需求，以實現資產的保值增值，融資類和股權類業務的發展則是平安信托適應行業發展的主動出擊。平安信托物業投資事業部高級投資執行總監兼股權基金部總經理艾兵介紹，信托的投資客戶對此也有著強烈的需求，因而平安信托將對此規劃有進一步的發展，而且有著清晰的脈絡。根據判斷，房地產信托在未來較長的一段時間內仍能夠為客戶提供風險收益匹配、相對表現較優的投資表現，因而要為客戶開拓這一領域的業務，提供相應的投資管理。對於如何執行，艾兵表示在平安的投資業務線上都是用專業的投資管理模式來自存倉以操作，而目前平安所採取的投資管理模式無論其著眼點還是組織管理模式，都與當前信托行業的主流模式存在很大的差異。這主要體現在採取完全的專業化以及不斷細分的方式來實現，其整個房地產業務在2004年的首筆物業投資之後就從平安信托的投資板塊中獨立出來，成為房地產投資的專業板塊，而專業板塊的人員只做房地產業務而不涉足其他信托業務；隨著融資業務及股權業務的發展，房地產事業部進一步分化，並在今年成立新的組織架構——物業股權基金部，股權投資業務也在今年取得了飛速發展。據統計，平安信托的股權投資業務從2009年到去年累計投資已經超過60億，前期股權投資已經開始退出，部分項目的業績表現良好，而今年是房地產信托板塊中股權投資業務快速發展的一年，預計全年的投資規模將達到80億左右。至此，平安在房地產權益類、股權類投資基金領域，已經逐步在市場上形成了一定的話語權和影響力。在艾兵看來，目前平安信托在房地產投資領域“更像是房地產投資基金”。這是因為通過不斷的專業化細分，某一條業務條線通過前期的積累、探索，並最終確立戰略方向，推動到快速發展的軌道上，相應配套專業化的組織管理以及風險控制體系。直面信托兌付 加大風險把控伴隨信托行業的突飛猛進，剛性兌付的話題也成為焦點，今年以來多家信托公司出現兌付風險。據介紹，平安信托對風險把控亦極為重視，房地產投資板塊至今沒有一單出現兌付風險。平安信托的房地產投資三大板塊中，提供了不同收益和風險取向的產品。其中，持有性物業的經營收益穩定，有資產升值空間，具有低風險、收益穩定的特徵，因而適合保險等機構投資者。第二類是融資性業務，具有中等收益、中等風險的特徵，若通過提供因有股權性劣後資金和其他增信保障措施，則可提供較大的風險緩衝區。而平安信托的策略是在這一領域選取高信用對手、風險低的項目開展，其與大中型房地產企業合作的融資業務占比高達70%，同時其專業隊伍在項目篩選及投後過程控制顯示出更好的風險控制能力。第三類是股權投資類業務，這也是房地產開發領域風險最大的部分，收益也相對豐厚。平安信托自2009年開始嘗試，不僅需要考慮項目本身的風險，還要控制股權合作伙伴、操盤方的管理風險。在項目選擇上，平安信托會展開全面的盡職調查、投資審核、後續管控，這與自有投資過程和程序都是一樣的。艾兵介紹，平安已投的業務中，在風險控制中靈活運用了業績對賭、優先劣後結構化設計等控制手段，為投資人提供額外的保護。但風險與收益是可以轉化的，好項目好對手的業務會考慮做同股同權；而一些項目收益空間很大，但具有較高的市場波動性，就會採取一些保護性措施，例如，在分配方式上作出約定，考慮投資成本本金先回收益按股權比例再分、或者投資成本加基礎收益先回然後再分超額收益等，從而利用專業能力來為客戶提供風險收益最優的方案。通過信托結構設計，能夠提供比風險對賭更多的產品結構和管控方式。嘗試REITS創新近期，多家信托公司均對REITS表現了濃厚的興趣，但對於推出卻沒有時間表。艾兵介紹說，平安信托在經營性物業方面開展較早，至今已積累了較大的資產包，因而各方普遍關注平安是否利用資產包推進REITS。對此艾兵表示，平安有創新精神，願意利用各種創新模式來增加資產流動性，包括各類金融產品，也不排除REITS這一模式。艾兵透露，對於未來的物業持有，平安信托將嘗試用信托計劃來購買，而對於保險資金投資于信托產品，將根據政策的開放度來逐步推進。信托投資要滿足客戶的投資需求，而保險的投資需求是長期、穩定、低風險，但另一方面也需要更好的流動性，因而只要有此類相關工具，平安信托都會有嘗試的意願。目前中國對於REITS的政策還有一段路要走，現在所能做的是踏踏實實做投資，找到好的項目，管理好，進一步積累資產。迷你倉