sgusers2的部落格

有人說文化創意產業範疇�多，文件倉發展難以一蹴而就，但我覺得只需要搞好兩件事就行。一是故事，二是策劃。前者是核心的販賣內容，後者是生產和販售方式。NIKE賣運動裝備，升級到推廣運動文化，內容無非就是二個：一是書寫品牌及其代言人的發展史，建立起一種品牌精神，另一則是發掘平民運動愛好者和運動鞋收藏家的故事。在互動營銷成為產業推廣主戰場的今天，後者為品牌衍生出大量實際效益。以故事說理，容易入耳，從傳銷到教育三歲小孩，都由此開始。產業首先要找故事，老乾媽有老乾媽的故事，畫家有畫家的傳奇。特別非敘事性的創作，必須從創作及創作人的身上尋找故事，找出具有認受性及感染力的地方，繼而擴大，以此感動消費者。不去發掘故事也行，但也不要談文創產業化了。產業說白了就是做生意賺錢。具有直接故事性的存倉說、影視作品、舞台劇作等，相對來說比較好產業化。小說《沒有色彩的多崎作和他的巡禮之年》大賣，本身就有經濟效益。當中寫紅的Lexus汽車，以及為東京都各車站添魅力，日本政府想必也非常感謝村上春樹吧？以文化帶動旅遊，澳門不是一直有這樣的期望嗎？把好的故事找出來好好利用就行了。電視劇《半澤直樹》來自於池井戶潤的小說。從小說到劇集，再從劇集衍生半澤直樹文具、日常用品系列，還有以其主角名句創作出超熱賣的“加倍奉還饅頭”。這一連串發展，如果沒有抓住好故事捉鹿脫角，如果沒有借題發揮的洞察力，如果沒有具執行力、能跨界聯繫創意人的策劃者，一切也許便只能停留在池井戶出版小說的一步了。電影賽德克巴萊主角用的頭巾都開始量產，澳門的文創產業有發掘故事進行產業化的計劃了嗎？先做好第一部吧。陸奧雷儲存

迷你倉 本報電 （朱琳琳）韓國旅遊發展局最新統計顯示：今年前9個月，到訪韓國的中國遊客已達340萬人次，全年有望突破400萬人次。中國已超過日本，成為韓國第一大旅遊客源國。韓國訪問委員會事務局局長韓京娥近日在北京表示，韓國非常重視中國旅遊市場，近幾年不斷簡化中國遊客訪韓簽証，並完善中文導遊、中文設施。目前，選擇自由行的中國遊客越來越多。為了吸引更多的遊客，２０１４年１月３日至２月１６日，韓國將舉辦“購物季”，中國遊客在飲食、住宿、景點、演出、美容、購物等方面可享受到優惠服務。目前已有包括百貨商店、免稅店、酒店、大型超市、表演策劃公司等在內的92家公司和27000家商店決定參加此次活動。文件倉

【本報訊】 立法會政府帳目委員會決定對「貪湯」湯顯明予以「強烈譴責」，迷你倉屬最嚴厲的批評字眼，可能是回歸以來首次。其他曾被帳委會點名譴責的官員有�生署前署長林秉恩及投資推廣署前署長盧維思，香港旅遊發展局前總幹事臧明華更曾被「特別譴責」，並須退還十多萬元超豪保費開支。帳委會報告的批評用字大致分四級，四級之中又再細分輕重，其中最溫和是「察悉」至「深表關注」、其次是「不滿」至「強烈不滿」、再上一級是「遺憾」至「極度遺憾」，鮮有用到最嚴厲的「譴責」。其中在○四至○五年，審計署揭發旅發局多宗「大花筒」醜行，矛頭直指時任總幹事的臧明華，指她在自存倉期間管理混亂、高層工作未達標亦獲浮薪、應酬開支超額等。臧明華本人更因未經正式批准為自己購買逾十七萬元的醫療保險，超出僱傭合約所定的三萬多元，最終被帳委會予以歷來最嚴厲的「特別譴責」，並須向當局歸還約十四萬元。○四年政府舉辦「維港巨星匯」被轟浪費公帑，帳委會聆訊後決定點名譴責盧維思，指他疏忽職守及代表政府與美商會簽訂不平等合約，盧維思其後更遭政府紀律聆訊及處分，但最後透過司法覆核推翻裁決。帳委會一○年再譴責林秉恩對藥廠及藥物經銷商監管不力，令大量未經註冊的藥物流入市面，時任食物及�生局局長的周一嶽亦就同一事件遭帳委會「極度遺憾」。迷你倉

迷你倉最平 美國國務卿克里前日透露，將解凍部分伊朗存於全球各地銀行的資產，希望這能促使各國在伊朗核問題達成協議。克里表示於經濟制裁下，伊朗每年的石油收入降至約三千五百億港元，而今次獲解凍的資產將只佔小部分，逾九成五的制裁將持續。克里又促請美國國會停止向伊朗實施新制裁，避免對方離開核談判桌。（綜合報道）迷你倉

How is the third plenum going to change China? Your columnist found some of the best insights from the mainland’s wealthiest man, Wang Jianlin, both in terms of what he said and what was not said.迷你倉This is a man who has built a US$14 billion conglomerate from scratch. He knows the game.Wang was speaking to the local media because the full policy paper of the Communist Party plenum was announced yesterday evening. His comments remain valid. Here is part of the transcript.How forceful will the reform be?The party leadership has at least established a reform Leadership Group. It’s a sacred move. On behalf of the party leadership, it is to lead and co-ordinate the reform.Now that the group is established, it has to have some achievements. It has to make a difference. It is impossible to have a leadership group for three years and come up with no policy. How are you going to explain that to the foreign community, the party and the people?(That’s true. By establishing the committee, President Xi Jinping is taking over the job of economic reform from Premier Li Keqiang. That comes with responsibility and blame, too. That is the strongest political commitment to reform you can get in China.)Only by being independent [from the State Council] can the group revolutionise those people. The problem with the early directives [to facilitate and grow the private sector] was to let the ministries formulate their only reform plan and details. How will you expect anyone to revolutionise oneself?(After all, the state sector and the ministries are the two faces of the same man. It is OK to ignore the premier who doesn’t decide who gets the job or keeps his or her life. When the party leadership makes an order, it’s a different game. Xi is to move some stones.)But where are those people (working on the group) going to come from?The group will be led by the central leader. The execution will be done by people from various ministries or even company managers and economists. Anyway, I have high hopes on that.(What a telling “anyway”! No one in China’s corridors of power is insulated from the complicated web of interests. Will an official seconded from a ministry to the group completely ignore the interest of his or her former boss who has groomed his or her career? Is Xi the “philosopher king” going to look at ever儲存 detail? Anyway, having some reform is better than none.)Are you seeing any change to the traditional power balance between the state and the non-state sectors, judging from the plenum’s announcement?Absolutely. It said the two are equal. It said both [the state and the non-state sectors] are the fundamental elements of the economy. That means equality between the two.Private enterprises grow from stone crevices. We blossom when there is sunlight. The third plenum is another spring for the private enterprises.(However, that’s not a fundamental change in the balance of power.After all, the plenum maintained that the state sector remains the “core” of the Chinese economy.The plenum promises to remove all unreasonable rules and hidden barriers to non-state enterprises as well as encourage their stake holding in state-owned enterprises.If implemented, this will mean a better life for the private firms and greater efficiency for the economy.)It is regrettable that there is no specific measure on the reform of state enterprises. That’s disappointing. Most of us have been expecting some “surgery” on the SOEs. Look at the corruption scandals of PetroChina. The consequence of a giant SOE-turned-monopoly is very devastating.(While the State Council directives in 2005 and 2010 have mentioned the opening up of the telecommunications and petrochemical industries to the private sector, the plenum no longer asks for that.Instead, it called for the separation of state and the corporate in the operation of the state monopolies.)Is it a compromise?When we say the reform has entered a deep-water area, we mean the interest groups. The central-level SOEs make up the biggest interest group. They can influence the policy. We cannot.(Despite mounting pressure, the SOEs have given in a little. Among them is the increase of their dividend payment from no more than 15 per cent to 30 per cent in 2020 to pay the welfare bill. How many exemptions will continue to exist is not known yet.In return, they have managed not only to keep their monopolies, but also the green light to become investment holding companies. The latter will further expand their turf and flexibility because they will no longer be constrained to a particular industry.In short, you can keep your jar of cookies as long as you share.)shirley.yam@scmp.commini storage

mini storage 【本報訊】泰國總理英祿撤回特赦法之際，社交網站流傳一張電腦畫面照片，顯示前總理他信的兩名女兒在前日乘坐泰國航空飛機往倫敦。網民聲討他信家族，他信幼女則批評上載該相片的人，澄清只是到英國旅遊。泰航指正調查誰上載照片。該張網上流傳的照片，相信是以手機拍下泰航的電腦畫面，顯示他信的大女兒潘通達及幼女巴東蒂，前日帶同八件行李，在蘇凡納布米國際機場乘泰航客機的頭等機位，前往倫敦。外界猜測二人是因特赦法被撤回而流亡英國。巴東蒂昨在Instagram上載一張在英國嘆咖啡的照片，批評上載其登機資料的航空公司職員欠缺職業道德。她又澄清，和只是到英國旅遊，並非逃離泰國，一周後會返國。泰航稱未必是職員上載照片。self storage

Source: The Santa Fe New MexicanNov.迷你倉 15--The Boyle Heights district on the east side of Los Angeles is not a fashionable neighborhood, but it is the place to go if you are looking for mariachi music. The hub of the city's mariachi culture is an unglamorous pedestrian plot that bears the name Mariachi Plaza. Gazing at it from across the street is a solitary four-story building of Victorian solidity, whimsically adorned by a corner cupola and turret. Carved into the structure's stone name plates are the words "Cummings Block 1889," but everybody in Boyle Heights knows it as the Hotel Mariachi.The University of New Mexico Press has just issued Hotel Mariachi: Urban Space and Cultural Heritage in Los Angeles, a handsome book of essays and photography created jointly by three people who live and work in New Mexico: historian and preservationist Catherine L. Kurland (who resides in Santa Fe), folklorist Enrique R. Lamadrid (who chairs the department of Spanish and Portuguese at the University of New Mexico), and photographer Miguel A. Gandert (who teaches in UNM's Department of Communication and Journalism). The fountainhead of the project was Kurland, who grew up in Los Angeles. She stumbled across the Hotel Mariachi in 2003, entirely by chance, and realized it was the very building that loomed large in her family's history. The once-impressive hotel was built by her great-grandfather, a Croatian immigrant named George Gerscovich, who had assumed the surname Cummings when he sailed to California to try his luck in the Gold Rush of 1849. He prospered selling foodstuffs to miners and then settled in Los Angeles, where he married Sacramenta L鏕ez, a member of one of the city's founding families. He and his wife built the Cummings Hotel in 1889, but their timing did not prove propitious. The Panic of 1893 led to an economic depression in the United States, and by the end of 1894 the Cummings Hotel was surrendered to the bank that held the mortgage.The building stumbled along through the 20th century, but by 2003, when Kurland fortuitously happened on it, it had reached a state of desperate disrepair. A decade later, thanks to Kurland's spearheading efforts and the support of the East LA Community Corporation (ELACC), the Hotel Mariachi has been restored to structural health, has been placed under landmark protection, and faces a secure future as the anchor of an essential subculture of its predominantly Latino neighborhood. Pasatiempo spoke with Kurland to learn about the book and the community it documents.Pasatiempo: In the book's introduction, Evangeline Ordaz-Molina of the ELACC writes that when her group purchased the Hotel Mariachi, in 2006, it was "literally a slum. ... Four to six men shared small hotel rooms that lacked bathrooms or kitchens. Common bathrooms, one to a floor, were sloppily constructed without permits. This was a building that no one should have purchased." And yet ...?Catherine L. Kurland: It's true. For almost half a century, mariachis could share a little room there for a shoestring, and it was quite a scene. One of them would get a call, and they'd all come racing down the stairs and pile into a van to head off to appear at a wedding or a quincea鎑ra or some other function. But the building was in terrible shape. Evangeline is not really a preservationist; ELACC is really an affordable-housing group, and I was concerned that they might not be so keen to support the building's nomination for historical status. But she grew up in that neighborhood and appreciated how deep its cultural importance was. They raised $24 million in less than five years to save and renovate this building. They did also add a wing of apartments, which answered to their affordable-housing mission.Pasa: Prior to moving to Santa Fe, you and a partner ran the Kurland-Zabar Gallery in New York City, a respected gallery for works of the English Arts and Crafts period. What brought you from there to Santa Fe and to the field of historic preservation?Kurland: I've always been interested in preservation, and I have always regarded objects not only in terms of design but also in historical context. At the gallery, we worked a lot with museums; knowing that an object would be preserved was as important as selling it. At a certain point my partner and I closed the gallery and moved on to work with garden design of that same period. I was living on Long Island with my husband, John Serkin, and we moved to Santa Fe really on a whim. Just then I learned that the University of New Mexico was founding a program in historic preservation and regionalism. I enrolled two weeks after we arrived here in 2004. One of my last courses was a tutorial with Miguel Gandert. We would just go out into the field and document what we saw. I became a real admirer of his work. He is a great documentary photographer, in part because he understands culture in a deep way.When I got involved with the Hotel Mariachi, I realized this building might go down any day. Through the UNM program, I had gotten acquainted with preservationists. I knew a自存倉out the National Trust for Historic Preservation and other preservation groups, and so I had some idea of how to proceed. I dragged Miguel out to document the place in photographs. I thought it would be a once-and-done thing, but he was so moved by the whole atmosphere -- not just the mariachis playing their music. Every crevice of that community revolved around organizing the lives of the mariachis: the tailor who sews their outfits, the shoemaker who makes their boots, the music school where they teach. It was a combination of the place and the music that drew him to take this on as a project.Pasa: His photographs come across as extremely honest. The book presents nearly a hundred of them in high quality, and they capture the life of this mariachi community, mostly prior to the hotel's renovation, in a natural, unposed way.Kurland: For most part, Miguel photographs in black and white using real film, and he develops his photographs in a darkroom. He's an old-fashioned guy in that way, but you see the richness of the result.Pasa: And your third collaborator, Enrique Lamadrid -- how did he get involved?Kurland: Miguel brought him in because of his expertise as an ethnomusicologist. Much of what Enrique presents in his essay on mariachi music in this book is new information, growing out of our original experience visiting the Fiesta de Santa Cecilia at Mariachi Plaza. Both Enrique and Miguel view this as a vibrant center of Mexican culture. This is arguably the leading mariachi center north of the border.Pasa: The musicians' costumes seem to be a big part of the scene. Lamadrid writes in his essay, "Mariachi dresses the peasant musician in the costume of wealth and authority." But I gather the elegant uniforms we associate with mariachis, ornamented with decorative braid and buttons, were not always the norm.Kurland: That's right. Originally, they wore sandals and what looked like white pajamas, but when they started to take on a more urban culture this look wasn't going to do it. Not until the 1930s did they start to dress in the black charro costumes we know today, but there were historical roots for the new style. Black had connotations of royalty; Emperor Maximilian was famous for wearing black during the French domination of Mexico in the 19th century, and the decorations of silver buttons reference all the silver people were stealing during chaotic times in Mexican history. These suits don't come cheap, by the way. They are all custom-made, and now they use a wider variety of colors beyond black.Pasa: Lamadrid also says of the mariachi look that "it exults in masculine energy that women also have appropriated." Do women have much of a role in mariachi culture?Kurland: Quite a bit, and this seems to be something that was largely born in Los Angeles. The only statue that stands on Mariachi Plaza is of a woman, Lucha Reyes. She was an acclaimed mariachi from the first half of the 20th century, and she spent part of her career in Los Angeles, where she is credited with breaking the gender barrier. Today there are some all-female mariachi groups, although groups tend to be all-male or all-female rather than mixed.Pasa: There are really three strands to your book: a discussion of mariachi culture as it plays out in this neighborhood, the photographic documentation of this world, and your family history and how it exemplifies the social history of Southern California. Were culturally mixed families such as yours common in early California?Kurland: Now we know that social mixture of that sort was not unusual, but that fact was not at all well known until quite recently. The multiracial origins of Los Angeles only came to light at the time of the city's bicentennial, in 1981, when there was a flurry of historical research. I grew up with this Spanish-heritage fantasy, loving the fact that some of my ancestors were espa隳les; but nobody knew much about the family's other racial backgrounds, how the L鏕ez line intersected with other lines. That's part of the California story.Pasa: What if the Hotel Mariachi had not been saved?Kurland: The most likely scenario is that the building would have been razed and the site would now look like every other corner in Los Angeles with some modern building. Or a slightly better case might have been that they wouldn't have torn it down but used it as a shell in which to construct modern condos. If it hadn't been saved, that neighborhood would be completely different, and so would mariachi culture. It would have just disappeared, and we came perilously close to that. But now it remains a special place."Hotel Mariachi: Urban Space and Cultural Heritage in Los Angeles" was published by the University of New Mexico Press in October. A booksigning is scheduled for 2 p.m. on Dec. 4 at the University of New Mexico Bookstore (2301 Central Ave. NE, Alburquerque). Call 505-277-5451 to confirm.Copyright: ___ (c)2013 The Santa Fe New Mexican (Santa Fe, N.M.) Visit The Santa Fe New Mexican (Santa Fe, N.M.) at .santafenewmexican.com Distributed by MCT Information Services迷你倉

Financial inclusion is about helping to lift the 2.迷利倉5 billion financially under-served people out of poverty to join the economic mainstream. By Zeti Akhtar AzizMAKING the financial system accessible to the world's poorest people can unlock their economic potential, improve their lives and benefit the wider economy.?So it is no surprise that financial inclusion of the poor has become an important component of public policymaking. Central banks and regulators worldwide are taking the lead in making financial inclusion a priority, in addition to their traditional mandates of maintaining monetary and financial stability.Financial inclusion is about providing an opportunity for the world's 2.5 billion unbanked and financially under-served to participate in the formal financial system, thereby helping to lift them out of poverty and enter the economic mainstream. Greater financial inclusiveness promises a more cohesive society and more balanced growth and development.Moreover, financial systems themselves stand to benefit from becoming more comprehensive and progressive. The additional consumers participating in the formal financial system will strengthen national economies and, in turn, enrich the global economy. Indeed, as developing countries move towards middle-income status, financial inclusion is a key component of continued progress.In countries with high levels of financial exclusion, consumers are left to rely on unregulated informal services. These inferior substitutes often imply exorbitant costs for borrowers - and financing that is usually too short term for productive investment activity.Moreover, the lack of consumer protection and regulatory and supervisory frameworks exposes informal activities to vulnerabilities that can harm borrowers and jeopardise financial stability.Increasing the availability of formal financial services to those who have long been denied them requires establishing a balanced regulatory framework. Oppressive, blanket regulation, which may be necessary in complex and unpredictable financial markets, may not be relevant in a rural community -?or, worse, it may stifle efforts to promote financial inclusion.Indeed, proportionality is an important aspect of regulation, enabling prudential measures that, rather than exceed or underestimate, are commensurate with the risks that need to be addressed. Little wonder, then, that high levels of exclusion in developing and emerging countries have prompted policymakers to embrace proportionate regulation, thereby gaining the flexibility to encourage innovation in the provision of financial services while preserving financial stability.Bangladesh, for example, has adapted its financial regulations for microfinance institutions. This has helped to catalyse the growth of sustainable microfinancing to local women-owned enterprises. Kenya's "te迷你倉t and learn" approach to regulation has unleashed the potential of mobile-phone-based financial-service delivery through M-Pesa, which offers consumers a safe and convenient alternative to cash.There are many other examples of successful implementation of proportionate regulation that have resulted in greater financial inclusion without compromising financial stability.In Malaysia, agent-banking regulation (which safeguards consumers' interests while supporting financial institutions' business models) has led to the expansion of branchless banking to reach previously unserved rural areas.Similarly, Mexico's "tiered" approach to financial access - according to which requirements for opening bank accounts are proportionate to risk, with low-value accounts subject to higher transaction restrictions - has expanded access to basic accounts, while mitigating the risk of money laundering. And Pakistan and Indonesia, by basing capital requirements for microfinance institutions on the size of the population that they expect to serve, are enabling these institutions to serve distinct market niches sustainably.Policymakers in many countries have recently been considering the role of financial standard-setting bodies (SSBs) in advancing financial inclusion. In particular, they are focusing on the specific challenges that arise when applying supervisory standards in a developing country that is pursuing financial stability and inclusion.Although global standards supposedly reflect the principles of proportionality, they provide insufficient guidance for the national regulators, banking institutions and financial-sector assessors who are trying to apply them effectively in diverse environments. This lack of contextual clarity has led to excessively conservative interpretations of the regulations - and thus to the creation of unintended barriers to financial inclusion. Addressing this will require input from policymakers with practical experience applying international standards, particularly in emerging economies.At the same time, in order to ensure continued progress towards financial inclusion, representatives from developing and emerging economies must play a greater role in shaping future standards. The Alliance for Financial Inclusion, a network of central bankers and financial policymakers from more than 80 developing countries, is already contributing to more effective and proportionate global regulation by facilitating increased engagement with SSBs.Such collaborative efforts among developing countries ultimately foster closer cooperation between them and their developed counterparts.This will lead to better outcomes for the global financial system, the global real economy and, most important, the people who have been excluded from both for far too long. Project SyndicateThe writer is governor of Bank Negara Malaysia自存倉

　　今年對於特許企業來說是增長非常緩慢的一年。數據顯示，迷你倉今年連鎖百強的規模達到了1.87萬億元，同比增長10.8%，這是中國連鎖經營協會從連鎖百強統計的12年來增長規模最低的一年，最高時曾超過40%。　　11月13日，中國連鎖經營協會創業與投資加盟部主任蘇霜在第十五屆中國連鎖業會議上表示，今年甚至還有40%的企業銷售增幅低於10%，還有60%的企業門店增長低於10%。究其原因，一方面是受到宏觀經濟發展放緩的影響，另一方面受到人口紅利削減，渠道分流，消費者習慣變化等多種因素影響的結果。而從特許領域來看，店鋪增長剛剛超過11%，非常低速的發展。可以預見，在今後的幾年中連鎖企業都會處於較慢的增長期，企業可持續擴張與效益的提升都面臨著挑戰和考驗。　　這幾年特許加盟行業遭遇的難點都比較類似，從房租成本的上升到整個經濟環境的不確定，所有傳統連鎖企業都在持續面臨這些問題。蘇霜表示，今年以來，企業遭遇到的成本和外部環境影響會更為明顯一點。受“三公消費”政策的影響，高端餐飲和高端旅遊等服務行業受到的打擊還是比較大的，包括俏江南這類知名的品牌也在進行全面的轉型。與此同時，由於房租、人力、物力等各方面成本的提高，企業投資回報期都在普遍延長，連鎖加盟也在社會環境下生存，其投資回報期延長不可能例外。　　據中國連鎖經營協會去年發佈的《2012中國特許加盟行業投資景氣調查》顯示，近六成加盟商認為，今年品牌投資回報期將延長。其中，超市、食品和服務等十大連鎖加盟行業的平均回報周期延長至三年多。中國連鎖經營協會會長郭戈平也曾表示，特許經營投資回報延長將是大勢所趨。　　今年更為明顯的一個變化是，電子商務給傳統實體連鎖店帶來的衝擊。不過蘇霜發現，在電子商務的影響下，由於服務行業的很多業態是需要顧客到店體驗的，而非簡單的網絡購買就能替代，因此服務行業受電子商務的影響相對比較小。因此，她認為今年包括未來發展中，特許經營應該還是比較好的發展方式。　　但是，“長遠來看，電子商務也會為服務行業帶來從消費體驗到消費方式的轉變。”蘇霜舉例，洗衣行業，未來顧客可以通過網絡預約實現店家上門取衣送衣，企業可自存倉通過互聯網來改善服務方式，更好的服務消費者，改善消費體驗。　　與此同時，教育加盟店也是近幾年來連鎖與特許領域的一大熱點。蘇霜發現，在線教育在國內一直以面授為主，但是從美國數據看，很多培訓教育的企業大部分以網絡教育完成的，但這個是否會是未來的趨勢，也是需要進一步觀察的。　　近兩年，休閒食品和經濟型酒店領域的特許加盟業務發展比較迅速，蘇霜分析，這與之前的消費需求有關，隨著人們消費行為的變化，當產品更加符合消費者需求時，自然會獲得不錯的市場表現。如來伊份和絕味這樣的休閒食品品牌的崛起，以前銷售休閒食品的還多以雜貨店或綜合食品店業態出現，而如今更多的這類休閒食品品牌出現在城市的核心商圈。而能夠支撐其高昂物業成本，足以說明滿足了消費者的需求。　　對於特許加盟的品牌選擇，蘇霜建議，應該還是以產品為核心，要能夠適應消費者的需求，不要一味去迎合渠道的變化，要把產品做到更有特點。蘇霜建議，有一定積累的個人投資人，更適合進入特許加盟領域，而在找項目的時候，投資人應從特許加盟品牌的完善性，以及自己的興趣愛好和總部倡導的文化，投資人還應該多聽聽之前加盟商的建議。　　“2013年度中國好項目”獲獎名單（排名不分先後）　　HONGU紅穀女包項目　　唯美度美容連鎖項目　　愛樂優家庭服務機器人項目　　優樂自動餐廳項目　　“洗之朗”智能溫水便座項目　　綠網天下項目　　美麗島高端定制多焦鏡項目　　哎�美工坊項目　　樂城超市項目　　薄壁不鏽鋼水管項目　　福瑞達碳纖維地暖項目　　開心哈樂項目　　美食物語項目　　紹興老台門項目　　神奇畫舫項目　　廣州紅穀皮具有限公司　　唯美度科技（北京）有限公司　　北京紫光優藍機器人技術有限公司　　沈陽優樂餐飲管理有限公司　　西安三花良治電器有限公司　　綠網天下（福建）網絡科技有限公司　　北京美麗兄弟科技有限公司　　七色光華（北京）國際文化發展有限公司　　安徽樂城投資股份有限公司　　廣東至簡科技有限公司　　揚州福瑞達碳纖維地暖有限公司　　北京開心哈樂教育科技有限公司　　美食物語（北京）品牌管理有限公司　　紹興市老台門餐飲管理有限公司　　北京美麗屋裝飾有限公司迷你倉

　　澳門是融合中西文化特色的地方，self storage同時亦是中國與葡語國家交流的平台；是中國了解葡語國家文化的一扇窗口。葡語國家雖然散布世界4大洲，但卻擁有相同的文化和傳統。知名葡籍攝影師郭作勤（Joaquim Magalhaes de Castro）走訪多個葡語國家，用鏡頭記錄當地人民生活習慣、建築和傳統，並與中國─葡語國家經貿合作論壇合辦《共融資產》攝影展，藉此增加中國人對葡語國家的認識，共同搭建友誼之橋。
　　郭作勤早前走訪巴西、安哥拉、幾內亞比紹、莫桑比克、佛德角、葡萄牙、東帝汶及澳門合共7個葡語國家地區，利用相機捕捉當地風土人情，表現葡語國家地區之間的共同傳統和文化。他稱，葡語系文化並非單指相同的語言，亦包括物質和非物質文化，例如宗教、生活習慣、建築等等，雖然葡語國家散布歐、亞、非及南美洲，地理位置分散，但在宗教、語言、飲食、建築等多方面都有相同之處。展覽通過1幀幀圖片展示出來，面孔和形象，體現葡語系文化的4個主要組成部分，包括通婚、文化交融、宗教以及共同語言，而澳門作為中國與葡語國家溝通的橋樑，在澳門舉辦展覽可以令來自中國及全世界的旅客，對葡語國家有更進一步了解，透過相片和文字，表現各地文化、傳統的相同元素。
　　整個展覽分6個部分，包括「毗鄰海洋的國家」、「分隔於不同的世界」、「世界的聯繫」、「神人夢」、「由鄉村到宇宙」，以及「不同文化的虛構領域」，展現葡語國家居民的海上生活、人種、文化交流、宗教、建築、日常生活以及自然風景地貌，合共65幅作品，透過藝術與教育的角度，展示葡語國家不同的資產與文化及彼此間的共通點。作品以相片、文獻、影畫等拼砌成一幅集合各地文化和特有資產的圖案，亦以紀錄片展示各民族獨特之處。
迷利倉

網上聊天室對話內容、成為國際監管機構調查銀行交易員有否串謀操控匯率焦點。《華爾街日報》引述知情人士稱，儲存摩通與瑞信等銀行正內部討論應否關閉網上聊天室，蘇格蘭皇家銀行、巴克萊、瑞銀、花旗等銀行，也評估監管聊天室等電子通訊標準。目前外匯、大宗商品、股票及固定收入資產交易員，很多時採用「多種交易商聊天室」聯絡，透過彭博通訊社終端機，把銀行之間與客戶連繫。近期香港、英國、美國及瑞士監管部門，正調查至少十間大型銀行試圖操控外匯市場。美國司法部稱，其反壟斷部門正參與調查，質疑銀行間互通信息可能妨礙市場公迷你倉競爭。知情人士稱，「The Cartel」等聊天室是調查重點之一。《華爾街日報》早前引述消息人士稱，調查聊天紀錄顯示，有交易員曾開玩笑說有能力影響匯率，且似乎不當地與對手互通消息。監管機構在調查銀行業涉嫌操縱倫敦銀行同業拆息(Libor)案時，亦發現交易員涉嫌在聊天室操縱息率。知情人士稱，摩通數月來都為收緊聊天室使用進行內部討論，並正研究一對一的電話和電郵通訊，能否取代聊天室的角色，預計評估將於明年初完成。摩通和其他銀行的評估重點，是聊天室是否會鼓勵交易員不當地互通消息，引致監管機構採取行動。儲存倉

被車迷暱稱「甲蟲」的Volkswagen Beetle，文件倉賣相親民可愛，全球粉絲多不勝數，至於原廠推出的The Beetle Collection甲蟲精品系列，都散發誘人魅力。即日至本月30日期間，選購The Beetle Collection任何產品都有七折優惠，無論閣下是否Beetle車主，只要是甲蟲粉絲，都可以趁機入手！用品類：滑板底部漆有不同圖案，左邊是黑白色的Beetle車尾模樣，右邊就有深淺斜紋和格子圖案，尾端就有Beetle字樣，最�愛好踩板的甲蟲迷。平板電腦防滑皮墊適用於一般平板電腦，以及17"或以下的Laptop，防滑墊採用微斜向上的設計，人造皮革表面有黃色縫線綑邊，右下方還有象徵「甲蟲」車頂的黃色弧線點綴，至於底部用的絨料就有防滑作用。車形USB & Card Reader車形USB備有4G容量，車底設有伸縮鍵，一推便可伸出USB插頭，接上電腦或已經與電腦聯繫的讀卡器後，還會亮起存倉燈。服飾類：匙扣吊飾深藍色皮革剪裁成Beetle的車側剪影，匙圈除有刻上Beetle字樣的小牌子，還有廠徽和相關的盾形圖案點綴，十分別致。型格頸巾雙面設計加上優雅的格子主題，成為冬日的百搭之選。Graphic Tee正面印有由第一代至今的多款Beetle側面剪影，訴說�Beetle逾70年來的演變故事，忠心粉絲必Buy！兒童專用類：卡通水樽壺身表面印滿大大小小的淺藍色「甲蟲」卡通圖案，還有廠徽點綴。樽身以環保膠料製成，並已經過LGA測試，不含BPA及有毒物質，耐熱度高達80℃，父母大可放心注水讓孩子飲用。大容量背囊長、闊、高分別達27×14×36mm，容量大、間隔多，無論玩具、顏色筆、水樽、糖果、濕紙巾等小物都放得落。幼兒玩具車連尾斗適合18個月或以上的幼童使用，線條似足實物般圓渾可愛，最過癮是可以加設尾斗，讓小朋友運載心愛玩具，去到邊、玩到邊。查詢：3698 9738（Volkswagen HK）儲存