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話題性十足的「雙十一中國光棍節」，倉使網路購物金額創新高，2013年單單一天網購金額就突破人民幣350億元，較去年同期190億元，大增84％。這波網購熱潮，展現優化行銷策略創造優於假日的銷售額，正因為網路消費的特點，搭配靈活行銷，可讓銷售額一飛衝天。專注電子商務與操作的環球互動公司，成立於2008年，預計2015年第二季公開發行、第四季登錄興櫃，該公司目前營收比重以電子商務為主，約占50％，商品銷售的類別，則以團購網站為主要的營業來源，寵物用品、農產品次之。其次為品牌及商品的操作，約占營收比重30％，包含品牌行銷及商品代操等；另外一塊24小時迷你倉網路行銷，約占營收比重20％，包含電影、視頻、搜尋引擎最佳化（SEO）等。環球互動網路執行長楊昌舜表示，環球互動致力於電子商務代銷領域多年，未來將把成功模式複製於中國大陸市場，透過兩岸服貿協定，對岸以福建省做為兩岸電子商務平台，爭取台商進駐。2014年將擴大代銷產品項目，會以兩岸有機會共同銷售的台灣商品、伴手禮作為主要引進品類。環球互動希望以台灣設計、台灣製造或台灣精品為主，行銷台灣優質商品及人文，帶著消費者「看見台灣好商品」。除進軍福建「海峽電子商務產業基地」之外，環球互動也將引入大陸安徽徽商資金，挹注營運資金，協助大陸內地市場布局。迷你倉旺角

Source: Bangkok Post, ThailandJan.迷利倉 04--New Gen Airways is scheduled to take off in mid-January amid an ambiguous link between the start-up charter airline and red-shirt leader Arisman Pongruangrong and his wife Rapipun.Definite ownership of the carrier, now a centre of attention among followers of Thai politics, has not been spelled out.But an airline executive yesterday promised management details will be revealed on Jan 16.Sabaidee Airways Co, the airline's nominal owner, has set that day for the Bangkok debut of the airline, which will primarily operate charter flights ferrying Chinese tourists to Thailand and back.But the airline's website said Sabaidee was founded by unnamed Thai businessmen operating an in-bound Chinese tourism business under the name of New Generation Travel & Trade Co.The Bangkok-based New Generation Travel & Trade is described as a top travel agency in Thailand specialising in bringing 20,000 tourists from 14 Chinese cities to Thailand each month.Mrs Rapipun created a stir on Tuesday when she posted a message and a picture of herself and her husband posing with a used N迷你倉w Gen Airways' Boeing 737-400 at Don Mueang airport and asking people to support the airline.Mr Arisman, a singer-turned-politician, is firmly in the Pheu Thai Party camp. His activities at the time of the 2010 riots in Bangkok led to him being accused of terrorism.Questions abound as to how the couple could afford to invest in a capital-intensive business such as an airline.On Thursday, Mr Arisman reportedly told local media that he will only help to manage New Gen, saying it belongs to his "pals". The airline was registered with the standard minimum capital of 200 million baht.A New Gen executive yesterday confirmed the airline has received an operating licence from the Civil Aviation Department and will take to the skies in mid-January.Yesterday a Boeing 737-400 single-aisle jet in New Gen livery could be seen at Don Mueang airport, and the executive said another, similar aircraft, also second-hand, will arrive next Friday.Copyright: ___ (c)2014 the Bangkok Post (Bangkok, Thailand) Visit the Bangkok Post (Bangkok, Thailand) at .bangkokpost.com Distributed by MCT Information Services自存倉

新年伊始，存倉環球投資者即沽貨套現。港股飽受四大因素夾擊：憂內地水緊、經濟增長減速、新股開閘及外圍股市下跌，拖累�指昨大跌逾500點，近半年最傷。 投資界憂慮，港股短�調整正式開始，農曆年前的1月份，將陷反覆調整期，�指宜緊守牛熊�（即250天�，昨處22604點）（詳見另文——首站支持 看「牛熊�」22600）。 �豐ADR午市漲1.2元 市場觀望美國聯儲局主席伯南克今晨講話內容，道指早段回升，本港夜期反彈，收報22844點，升54點，成交3,483張。截至本港今晨2時，�豐（00005）在美國掛牌的預託證券（ADR）折算報84.15港元，較港收市價82.95元高1.2元；中移動（00941）ADR折算報78.5港元，較港收市價78.6元低0.1元。 中國昨公布服務業採購經理指數（Purchasing Managers' Index，簡稱PMI）跌至54.6，連同早前官方製造業PMI下跌，投資者即憂慮中國經濟放慢，實體經濟相關股份下跌，如內銀、煤炭、工業股等，強勢股如科網、濠賭及環保板塊仍逆市上升（詳見另文——中國基金走資5周 去年失280億）。 霸菱資產管理亞太區股票投資董事方偉昌指出，投資者趁數據欠佳先沽貨獲利，「因為三中全會後衝得急」；而且快到農曆新年假期，憂慮儲存根偏緊及市況淡靜，增加沽售壓力，「密切留意一兩周後銀根會否放鬆，以及市場對數據解讀。」 他指出，板塊走勢分歧大，國企股跌回三中前股價，環保、科網及濠賭股仍升。但對市場負面因素仍未算太擔心，但較少持有國企股，料等較長時間才見到催化劑。 料新春前 內地資金仍緊 事實上，內地銀根再見偏緊，本周央行淨回籠290億元人民幣，而且一周及一個月銀行回購利率回升。 �生私人銀行及信託服務主管陸庭龍指，目前市場上對中國市場看好和看淡的意見極端，形成拉鋸。他認為，A股市場縱已見底，但苦無刺激因素推動向上，加上內地流動性緊張估計在農曆新年前仍未可紓緩，令人未敢放手買入。從資金流向角度，他估計首季整體仍不利新興市場。「環球氣氛尚不太明確，現處強勁復甦抑或尚有負面因素，資金不會這般快便進入新興市場大炒一輪。」 踏入新一年，環球市場即見去年火熱的買升美股、沽空日圓的交易，出現拆倉情況，陸庭龍指，與歐美股市升勢、日圓跌勢極端引發獲利回吐有關，但認為美日的寬鬆貨幣政策未改，調整只屬短暫，或持續半個月至農曆新年前。 港股昨在大成交之下跌市，�指收報22817點，瀉522點或2.2%；國指收報10436點，跌272點或2.6%，六條主要移動平均�已全部失守；主板成交增40%至681億元，沽空比率9.24%。迷你倉

□本報記者 李陽丹產業融合是當今IT互聯網發展趨勢，迷你倉旺角特別是硬件創新行業，需要互聯網和硬件行業通力合作、共同打造產業生態系統。由科通芯城發起，Intel、小米開源硬件、奇虎360、京東、比亞迪、3W、北京創客空間、點名時間、君聯資本、微軟創投、磐穀資本、Xilinx、Atmel等10余家涵蓋電子製造業、互聯網、媒體的明星機構聯手共同打造的“硬蛋·i未來硬件創新大賽”，將構造一個助力創新者實現從概念到產品的生態系統。2013年以來，越來越多的互聯網和硬件相關的從業者投身硬件創新大潮。硬件創業的難度遠大於移動應用的創業。據瞭解，硬件創新涉及到硬件的設計、生產、供應鏈管理、元器件的採購等諸多環節。以供應鏈為例，一家不知名的創業公司，想得到世界頂級芯片廠商的談判機會都非常困難。業內大腕雷軍當年剛剛做小米時，也曾遇到過這方面的難題。對於中小企業和開發者來說，未來3-5年是智能硬件創業的最佳時期。大型互聯網公司尚處於觀望狀態，他們在等創業公司有了成功範例之後進軍市場；傳統硬件製造商，未來將會越來越重視這一市場；而中國擁有全球最好的硬件創新環境——最低的成本、最全的人力和智力資源庫，多樣的投資體系，最完備的產業鏈。硬件製造業從產品設計到生產，再到推向市場需要的周期長，一般少則三五年，多則數十年，而推向市場後，也不一定符合消費者的需求。而互聯網能夠真正讓製造業的設計者、生產者和消費者實現無縫對接，不僅可以縮短產品推向市場的時間，更可以及時瞭解消費者的需求。“硬蛋·i未來硬件大賽”主辦方——科通芯城作為中國首家IC元器件自營電商，盤算著從“電子商務”到“社會化電商”的升級。科通芯城提出了“芯”硅穀戰略：不僅將為硬件創新創業者提供包含mini storage術方案指導、上游產品資源以及硬件知識培訓為一體的硬件領域資源，同時也將聯合互聯網頂級公司、投資機構，為創業者提供營銷、資金以及運營支持。幫助創業者迸發概念，實現從概念到產品，從產品到量產的夢想。剛剛獲得虛擬運營商牌照的京東正在利用自身的平台優勢，積極向上游滲透。京東商城高級戰略發展總監那昕稱，京東明年將擁有自己的號段，並將應用在合約機和智能硬件兩類產品中。在智能硬件方面，京東優先考慮車載智能設備和定位跟蹤設備兩類應用，車載智能設備通過超低流量套餐，實現車聯網、輔以語音通信、地圖導航、本地生活服務等。而定位跟蹤設備將優先用于老人、兒童、寵物防走失、物品防丟失設備等。奇虎360投資部分析師孫培麟認為，硬件是一個比想象中還要大、要深、要難做的“坑”。他建議開發者避開巨頭選擇的領域，能不做產品就不做產品，原來沒有的產品儘量別碰，原來就有的產品，讓它變得更好。一定要做，就要堅持做BAT巨頭、小米、360看不上的細分市場。而北京創客空間創始人王盛林認為，做出有粉絲的硬件創新產品需要做到三點：第一點要有自己的價值觀，讓別人看到產品就知道是你做的；第二點讓科技變得容易，讓用戶感覺不到科技，但確實有科技含量，這才是真正的智能；第三點是要會“忽悠”，蘋果的技術好，大家都覺得蘋果特別酷，這離不開喬布斯的“忽悠”。君聯資本合伙人沙重九表示，目前IT領域已進入混業的狀況，沒有單純的軟件公司和硬件公司的區別。互聯網公司進入硬件領域，不靠硬件掙錢，以微利，甚至零利潤來推廣。小的硬件公司不能去拼成本，一定拼不過大廠商，突破口在於創意和服務，最後能否生存要看競爭力。沙重九預測，將來純硬件的公司越來越少，將來的服務、軟件綜合的公司會“統治”這個世界。迷你倉

Source: Tulsa World, Okla.迷你倉Jan. 03--1: How close is Firstar Bank to opening its new reverse mortgage office at 91st Street and Yale Avenue? What amenities and services will it offer?Due to the success we've enjoyed, Firstar Bank's Reverse Mortgage Division moved to a larger office space on Dec. 30. Our new offices located at 91st Street and Yale Avenue will house the 16 employees who work in our Reverse Mortgage Division and allow room for future expansion.Reverse mortgages are loans exclusively for people 62 years of age or older. Firstar began offering reverse mortgage loans in 2012 and is currently one of the top 50 reverse mortgage lenders in the United States based on the volume of loans processed. The bank makes reverse mortgages to seniors nationwide.2: How does a reverse mortgage loan work, and who should consider getting one?Reverse mortgage loans allow the borrower to convert the equity in their home into available cash. Unlike a traditional mortgage, there are no monthly payments to a lender, which provides more financial freedom for the borrower.The proceeds of a reverse mortgage can be used as a borrower sees fit. Some common uses are to supplement income, pay medical expenses, pay taxes, eliminate credit card debt, make home improvements and travel.3: What led you to pursue a career in lending?When I got out of the Marine Corps, I moved to Denver and was introduced to the insurance industry. The company I worked for specialized in products for seniors with an emphasis on long-term care insurance. Once I learned about the growing need for long-term care, I became a big believer in the product and realized it is a major concern for most seniors, as well. But a bigger concern was how they'd pay for their care while living on a fixed income as well as covering their day-to-day needs.That is when I came across reverse mortgages. Fourteen years later, I'm still making reverse mortgage loans and am as passionate as ever a迷你倉將軍澳out the product. It's a lot more fun and rewarding to increase someone's disposable income than it was selling insurance.4: How do you enjoy spending your time when you're not overseeing the bank's Reverse Mortgage Division?Since coming on board at Firstar two years ago, building this new division has been my main focus. I haven't escaped for much more than a weekend.I'd say that going to Grand Lake is my favorite weekend getaway, and actually the fall and winter is my favorite time up there. Also I've recently moved to the midtown area of Tulsa. Trying out the different restaurants and learning that part of Tulsa has been a lot of fun, as well.5: Do you have a to-do list of either personal or professional things you would like to accomplish in your lifetime? If so, what are some of them?Personally, I'd like to do a lot more traveling. During the short time I served in the military, I was blessed to visit five continents. I'd like to do more of that as a civilian. There are many places I'd love to see and experience, even for a short time.Professionally there are some things within the reverse mortgage lending arena that I'd like to accomplish. There is a lot of misunderstanding about reverse mortgage loans. I'd like to help people understand the benefits. A reverse mortgage loan could help a borrower start a business, pay for a life-saving operation or make needed repairs to their home.Outside of lending, I've always wanted to own a restaurant with a focus on small plates. But right now, that is probably more of a long-term dream than a goal.Jake Stockham is vice president of the new Reverse Mortgage Lending office of Firstar Bank. The bank is the 25th-largest reverse mortgage lender in the United States. Stockham has 14 years experience in helping create reverse mortgage loans.Copyright: ___ (c)2014 Tulsa World (Tulsa, Okla.) Visit Tulsa World (Tulsa, Okla.) at .tulsaworld.com Distributed by MCT Information Services倉

RICHARDSON, Texas, Jan.迷你倉 3, 2014 /PRNewswire/ -- Anritsu Company announces it has worked with Qualcomm Technologies, Inc. a wholly owned subsidiary of Qualcomm Incorporated , to successfully demonstrate peak throughput for a Category 6 LTE device and network simulator using 20+20 MHz Carrier Aggregation (CA). The two companies have jointly performed tests with a device based on the new Qualcomm((R)) Gobi((TM)) 9x35 modem, the world's first LTE Advanced World Mode Category 6 chipset solution. Both the Gobi 9x35 and Anritsu MD8430A LTE simulator support CA with two LTE FDD or TDD component carriers (CCs), each with a bandwidth of up to 20 MHz, allowing Category 6 peak data rates of 300 Mb/s in the downlink.(Logo: photos.prnewswire.com/prnh/20110531/MM11375-b)In order to ensure the functionality and performance of a Category 6 CA device, the LTE network simulator should be capable of testing under a range of conditions, including bidirectional downlink/uplink traffic, RF impairments, and a variety of Secondary Component Carrier (SCC) conditions. In addition, the simulator should be capable of dynamic scripted protocol-level testing and not just replication of static conditions. The MD8430A is the first LTE Simulator on the market to offer these advanced CA capabilities, such as implementation of Hybrid Automatic Repeat Request (HARQ), under high throughput conditions."Anritsu is pleased to work with Qualcomm Technologies in support of Category 6 CA and the latest LTE Advanced features," said Wade Hulon, General Manager and Vice President of Anritsu Company. "We understand that wireless carriers are depending on CA to meet consumer demand for ever high data rates, and are pleased to be at the forefront of this enabling technology.""This demonstration with Anritsu to showcase LTE Advanced Category 6 peak data rates is an important validation of our latest modem technology," said Serge Willenegger, 自存倉ice president of Product Management, Qualcomm Technologies. "Gobi 9x35 is our 4(th) generation of multimode LTE modems and is leading the mobile industry to the next phase of LTE Advanced with support for up to 40 MHz carrier aggregation on LTE FDD and TDD."The MD8430A is a scalable LTE network simulator, with five models ranging from Functional Test Model (FTM) to Performance Test Model (PTM), and available software options for both LTE FDD and TDD for any model. The associated Rapid Test Designer (RTD) graphical test software enables quick scripting of tests, with an intuitive user interface as well as available layer 3 and lower-layer libraries. With the addition of the MD8430A-085 Carrier Aggregation option to either of the two top models, two CCs with 2x2 MIMO are available in the downlink (up to 40 MHz total), with support for Category 6 and up to 300 Mb/s downlink throughput.About Anritsu CompanyAnritsu Company is the United States subsidiary of Anritsu Corporation, a global provider of innovative communications test and measurement solutions for more than 110 years. Anritsu provides solutions for existing and next-generation wired and wireless communication systems and operators. Anritsu products include wireless, optical, microwave/RF, and digital instruments, as well as operations support systems for R&D, manufacturing, installation, and maintenance. Anritsu also provides precision microwave/RF components, optical devices, and high-speed electrical devices for communication products and systems. With offices throughout the world, Anritsu sells in over 90 countries with approximately 4,000 employees.To learn more visit .anritsu.com.Photo: photos.prnewswire.com/prnh/20110531/MM11375-bAnritsu CompanyCONTACT: Kim Collins, Director, Americas Marketing,Kim.collins@anritsu.com, 972.761.4625; or Patrick Brightman, 3E PublicRelations, pbrightman@3epr.com, 973.263.5475Web site: .anritsu.com/迷你倉出租

書名：《老二非死不可》 作者：方三文 出版社：機械工業出版社一直以來在國內堅持價值投資體系的網站一般公推雪球，self storage其他的基本流于趨勢交易的範疇。正如《老二非死不可——關於投資商業的碎片化思考》一書的作者方三文在前言所寫的那樣。對於一個沒有通過互聯網實現財務自由、沒有實實在在經營過一家企業、沒有實實在在寫過一行代碼的人，大談投資、商業和互聯網產品顯得底氣不足。然而慶幸的是，自創辦雪球網站至今，作者在網站上所討論的大部分話題，迄今為止都是可以“複盤”和經得起時間考驗的。這就很耐人尋味了。偏見還是遠見，預言還是現實，這些碎片值得讀一讀。關於投資大約是因為本書是一本關於投資的書，所以投資的碎片文章較多。作者的理由是現在社會節奏過快，沒有時間花費在大部頭上。必須承認當我認真讀完作者所有的投資文章後，腦子里居然有條理和體系地形成了一副完整的投資理念全景圖。令人莫名驚詫的是，這些碎片幾乎回答了我腦海中關於投資所關注的幾乎所有問題。作者的語言直白詼諧幽默，通俗易懂，讀來令人莞爾。做空是不是很令人討厭？管理層很爛怎麼辦？上市公司陷入訴訟程序如何投資？等等類似問題的回答，都會令你對投資常識有全新的認識。也有類似“波段操作，不可能完成的任務”、“怎麼看估值”、“金融危機永遠無法避免”、“如何面對圈錢”等有爭議問題的碎片敘述。我感興趣的是，作者為什麼能在這麼多方面都有自己獨到的令人信服的簡介，而且每篇文章之後都附有一句話“複盤”，主要描述文中所述對象的後續表現，有時還附有雪球網站的讀者智慧跟帖。這樣的結構有事實、有道理、有結果、有支持和反對者，讓讀者感覺是身臨其境地在和作者交流。由於很多問題反映的都是時下的熱點問題，所以作者獨樹一幟的見解往往能令讀者迅速成長。比如作者旗幟鮮明地讚成A股市場擴容，監管太多往往會造成優秀的企業不能符合規矩上市。而且在2011年的行文中就已經提出上市應該實行註冊制。在註冊制已經既成事實的今天，這段文字讀來頗令人感慨。投資就是這樣，你必須成為多數人中的少數派，有獨樹一幟的看問題方法和視角。他所提出的最佳投資時機是在市場規模和利潤率雙升的時候的觀點，個人覺得非常受用。關於商業對於一個從來沒有經營過企業的人來說，頭頭是道地點評各大企業的巨頭們似乎不能令人信服，但是方三文做到了。他不但做到了還做得讓你覺得他比那些企業家們更有眼界，更具有企業家的眼光。比如對俞敏洪和羅永浩，從對個人魅力和個性特徵迷利倉分析，到他們各自經營的企業的特徵分析，最後再附上發表言論之後該企業的股票價格走勢圖，並在圖上標注該言論發表的時間，真心讓人一目瞭然。在怎麼看待強制企業分紅方面，作者的論調也是“不得已的次優選擇”。理由就是如果企業沒有很好的投資方向，管理層不能很好地利用這筆錢，可以考慮分紅，否則還是建議企業創新投入再生產。除了“大而不能到，市值真的很重要嗎”、“再造搜狐，四大戰略有戲嗎”和“微博是個蛋疼產品”之類的經營方向的討論，還有諸如“我給雅虎開藥方”、“評網易遊戲管理團隊的出走”和“百度的敵人是他自己”。每一篇都反映了作者對商業運作的獨到見解。這一部分的篇章面上都是在討論商業，而作者真正想表述的是通過商業的運營模式尋找真正有價值的企業。通過他選擇比亞迪比巴菲特早兩年的篇幅，作者並不是想說自己比巴菲特英明，而是想通過自己選擇比亞迪的心路歷程，以及當時的考察企業方式來講述如何在恰當的時間選擇一家優秀的企業並投資它。關於互聯網對於如何尋找下一個偉大的企業，價值投資者紛紛有著自己的判定，本書的作者旗幟鮮明地提出下一個偉大的企業必定產生于互聯網行業。在本章的這些碎片中我們能找到作者投資互聯網公司的邏輯，對於互聯網行業的特殊性，作者也提出自己對管理這樣的公司的全新見解。有的甚至是與傳統的管理理念大相徑庭。比如“管理出爛股”、“版權的革命，正在顛倒的世界”、“網游不是洪水猛獸”。因為世界的真相可能是，洪水猛獸長期存在，前天是武俠小說，昨天是錄像廳，今天是網路遊戲，明天呢？出了問題不在自身尋找問題的根源，而是歸咎于洪水猛獸，這不是解決問題和負責任的做法。更為重要的是，本章節作者提出了自己心目的電子商務，具體到一個企業層面所需要的電子商務應該是什麼，客戶的需求是什麼，讀來讓人耳目一新。而對於互聯網這樣的企業，競爭必須做到壟斷和老大，因為2.0時代的特徵是，老二非死不可。綜合諸多的因素和經營方式，未來的偉大企業在互聯網行業產生的可能性巨大。現在是我們把所有這些碎片拼接起來的時候了。選擇最有價值的企業，在合適的時候投資，不同類型企業的管理方式應有所不同，適時而變，積極地進行風險投資（這一點作者舉過海普瑞的例子），對賭有理，做空無罪。作者想表述的價值投資理念和體系已經躍然紙上，只等著你去對他的投資理念評判和驗證。總之《老二非死不可——關於投資、商業、互聯網的碎片化思考》一書，確實能帶給你煥然一新的價值投資理念和別樣的閱讀體驗。迷你倉

Source: The Pueblo Chieftain, Colo.self storageJan. 03--Here we are again, ready to start filling in a new year's calendar with various appointments, school activities and Winter Olympics hockey schedules.Maybe that last one's just me.The reality is that we will make time throughout the year for a whole lot of things that don't necessarily lighten our mood. Television, numbing as it may be at times, also offers genuine laughs, and who couldn't use more of those?Let's face it: As compelling as they can be, shows like "The Walking Dead," "Game of Thrones" or "Sons of Anarchy" can leave the brain feeling permanently bloodstained. At some point, viewers need to detoxify.If you're up for some new laughs for 2014, here are some personal favorites that may trigger some genuine chuckles. (It's not all-inclusive; this list steers away from politics and subscription channels, hence no "Daily Show" or "Veep" included.)"The Big Bang Theory"(CBS, 7 p.m. Thursdays and in syndication)-- I know, I know. Between new episodes and syndication, these nerds seemingly are on all the time. There's a reason for that, though: "Big Bang" is a startlingly good show.Now in its seventh season, the series keeps evolving, stays funny and has incorporated newer characters (played by Melissa Rauch and Mayim Bialik) who've become as indispensable as the original cast. That rarely happens.The maddening Sheldon Cooper (Jim Parsons) remains the epicenter of this universe but Penny(Kaley Cuoco), the "normal" girl who humanized the nerds across the hall, is the other key.Standout episodes:"The Bath Item Gift Hypothesis" (Season 2), "The Pants Alternative" (Season 3), "The Re-Entry Minimization" (Season 6)."The Graham NortonShow" (BBC America, 8 p.m. Saturdays)-- Forget bringing out talk-show guests one at a time, as the U.S. shows do. Comedian/host Norton brings everybody out at once and an hour-long free-for-all commences.The more dissonant the guest list sounds, the more likely the laughs.Don't be put off if you don't recognize some of the guests (it is a British show, after all). Trust Norton to have a chatworthy lineup.It's not for the young ones (though Norton has toned things down from some of his previous series), but for a cheeky hour of adult laughs, it's tough to top."How I Met YourMother" (CBS, 7 p.m.Mondays and in syndication)-- This seems to be a love-it-or-hateit show. I fall into the former group, though I'm glad the series is ending this year (March 31). Its titular premise quickly became the least interesting thing about it.The relationships among a group of New York-based friends (not "Friends") always have been the best part, especially the love story of Marshall and Lily (Jason Segel and Alyson Hannigan). And N迷你倉il Patrick Harris' portrayal of Barney Stinson is, yes, legen . . . wait for it . . . dary.Standout episodes:"Come on" (Season 1), "Swarley" (Season 2), "Bad News" (Season 6).Look for the countdown clues throughout "Bad News," an episode that manages to be funny and heartbreaking."The Middle" (ABC, 7 p.m. Wednesdays and in syndication)-- Five seasons in, it's still overshadowed by "Modern Family" and stupidly shunned at Emmy time, but this is the blue-collar comedy that could. It's in the vein of "Roseanne" but finds a much less acidic way of communicating the humor and frustrations of middleclass family life. Among a pitch-perfect cast, Eden Sher stands out as Sue, the eternally optimistic teenager.Standout episodes:"Mother's Day" (Season 1), "Year of the Hecks" (Season 3), "Bunny Therapy" (Season 4)."The Mindy Project" (Fox, 8:30 p.m.Tuesdays)-- Dr. Mindy Lahiri (series creator/ star Mindy Kaling) has a great career and a screwy personal life. That probably describes two-thirds of network sitcoms; however, Kaling makes fictional Mindy lovably imperfect. She's equal parts Bridget Jones, Mary Tyler Moore and prudish grandma. The supporting cast is great, particularly Chris Messina and the hilariously inappropriate Ike Barinholtz."Mindy" doesn't have the broad appeal of, say, "Big Bang"; it's pretty bawdy for a network show and its humor is an acquired taste. Still, I now find myself looking forward to this show more than the one that precedes it ("The New Girl"), and that wasn't the case when both premiered.Standout episodes:"Teen Patient" and "Frat Party" (Season 1)."Parks and Recreation" (NBC, 7:30 p.m. Thursdays and in syndication)-- This is my favorite comedy on TV, no contest, though it took a while to get hooked ("Hunting Trip" cemented the deal).Quirky, yes, but these are some of the best characters ever written and Amy Poehler, playing happy civil servant Leslie Knope, is TV's comedy queen (sorry, Tina). Nick Offerman as Ron Swanson? Sublime.Most heartening of all, it's a series defined by its sweetness and decency.The only thing I don't like about "Parks and Rec" is NBC's helterskelter scheduling and lack of promotion. It's "Friday Night Lights" all over again and is weirdly disrespectful, given how valuable Poehler is to this network.Standout episodes:"Hunting Trip" (Season 2), "Flu Season" (Season 3), "The Debate" (Season 4), "Halloween Surprise" (Season 5). "Hoosiers" fans should watch for some sly references to that movie in "The Debate" (the series is set in fictional Pawnee, Ind.).amym@chieftain.comCopyright: ___ (c)2014 The Pueblo Chieftain (Pueblo, Colo.) Visit The Pueblo Chieftain (Pueblo, Colo.) at .chieftain.com Distributed by MCT Information Services迷你倉將軍澳

【香港商報訊】記者林德芬報道：外電引述消息指，迷你倉旺角新加坡華僑銀行已就收購永亨銀行(302)提出具約束力的競購要約，並已展開排他性談判，交易對永亨的估值約53億美元。 不過，新加坡華僑銀行(OCBC)擬以低於兩倍市帳率(PB)競投永亨銀行，雙方正就此估差距進行協商，看是否能縮小差距。華僑銀行及永亨銀行均拒絕評論有關報道。 按彭博數據顯示，永亨銀行的市值為46億美元，按2mini storage13年預估淨值計劃，市帳率約為1.7倍。 有助擴大拓展海外版圖 若今次收購成事，將為華僑銀行最大的收購交易。華僑銀行有三分二的收入是來自新加坡，收購永亨銀行將助擴大海外版圖，並將打開其與內地之間的跨境貸款業務。 至於早前傳安邦保險同樣有意競購永亨，但表示不會出價高於市帳率1.7倍，卻於近日斥資14.3億元人民幣，增持招商銀行(3968)A股股份，至持股量達7%。迷你倉

特首梁振英在競選時提出的政綱曾承諾，迷利倉逐步降低強積金戶口內僱主累積供款權益作抵銷僱員長期服務金及遣散費的比例（對沖機制）。據了解，政府計劃逐步實現有關承諾，降低相關對沖比例，預計最快在本月中發表《施政報告》時公布。有關工作將由財經事務及庫務局局長陳家強領導，勞工及福利局參與討論。消息觸動本港商界反彈，四大商會昨天約見梁振英要求撤回措施。 三方案降對沖比例 消息透露，政府仍在研究降低強積金對沖比例的具體做法，考慮可行方法有三種，包括逐步降低僱主供款的對沖比例，直至完全不能與僱員長期服務金及遣散費對沖；或分兩階段，先取消對沖遣散費，遲一步才取消對沖長期服務金；三是，按開始供款年份劃線，在某年份之後參加強積金計劃的員工，其長期服務金及遣散費不能由對沖機制支付。 財經事務及庫務局發言人表示，特首將於本月15日發表《施政報告》，現階段當局不予置評。積金局發言人回應本報查詢時指出，有關事宜涉及政府政策，有待政府公布。 商界包括各商會立法會議員、商會代表及勞僱會代表，昨天急晤梁振英表達意見，擔心一旦對強積金對沖機制作出重大改動，將令營商環境更艱難，一般相信改動對大企業影響不大，受苦的將是一眾中小企業。消息透露，昨天的會面主要由商界向梁振英痛陳利害，包括香港經濟前景不明朗、美國傳統基金會對香港評分為近年新低，以及今年有不少香港社會因素影響經濟。有與會者透露，商界勸諭梁振英放棄改動，又認為「施政報告發表前24小時，即使要改，也來得及」。據業界估計，撤銷強積金對沖機制，全港中小企資方每年新增成本達20億元。 有參與會面的香港工業總會主席劉展灝向本報說，梁振英表示了解和關心商界的憂慮，但無作出任何結論。劉氏指出，現階段不猜測或評論政府的傾向，與梁見面亦非向他施壓，只是不想破壞彼此互信，並向特首如實反映業界的難處及擔憂。經民聯立法會議員林健鋒只回應說，見面是只就「經濟發展各方面交流」。 消息透露，政府已由勞福局出面，陸續向各立法會議員「摸底」。政府消息人士解釋，梁振英冀在第二份《施政報告》提出展開檢討對沖機制的工作，是因為備受壓力，一來是要實踐競選政綱的承諾；二來政府發現，強積金計劃推行十多年，牽涉對沖的金額甚巨，截至去年上半年累計達207億元【圖】，希望以此游說政黨支持。 不過，改動遇上商界強烈反對，認為當年有關法例獲立法局通過，是基於各界就對沖機制達成共識。有商界揚言，若政府執意取消對沖機制，不排除商界動員上街。勞僱會去年12月會議上，有工會代表提出討論降低強積金對沖比例，但未有結論。 政府摸底 提按年劃線 積金局非執行董事兼工聯會立法會議員黃國健指出，有關做法涉及修改《僱傭條例》，必須由政府進行，不屬於積金局的職權範圍，但透露曾與勞福局局長張建宗商討，局方曾提出按年份劃線的方法。據了解，積金局主席胡紅玉支持降低對沖比例。 工聯會立法會議員鄧家彪稱，勞工界爭取撤銷對沖機制經年，呼籲政府不論傾向採取何種具體做法，都應在《施政報告》中定出取消對沖機制的時間表，以及表明何時會完全取消有關機制，希望當局盡快落實細節。採訪、撰文：畢礎暉、羅奕熙、江凱妮 資方：恐掀辭職潮勞方：挽公眾信心 1995年8月，迷你倉強制性公積金計劃條例》獲得通過。為設立以私營方式管理、與就業有關的強積金計劃提供法律框架，作為監察機構的積金局在1998年9月成立，強積金制度於2000年12月開始實施，強制18歲至65歲的就業人口必須參加計劃。 制度規定，僱員及僱主均須就僱員入息作強制供款，供款額為入息的百分之五，收入低於最低水平（每月7100元或每日280元）的僱員毋須供款。僱員作出的任何強制供款，及以此進行投資所得的任何回報，全數作為累算權益歸該僱員所有；但來自僱主的強制供款，可用作抵銷付予僱員的遣散費及長期服務金。一直有意見認為，強積金戶口儲款的效用不彰，原因之一可能是對沖機制，亦有指這制度妨礙強積金實現「全自由行」，無法保障打工仔利益。 香港工業總會主席劉展灝表示，強積金條例當年得以在立法局通過，是因各方認同對沖機制，僱主才同意額外支付僱員薪金的百分之五作強制供款。他認為，若取消對沖機制將掀起辭職潮，指即使政府「劃線」，令取消對沖機制不影響現有僱員，只針對日後新聘請的員工，但仍難免增加原有員工辭職的誘因。 香港中華廠商聯合會會長施榮懷表示，反對以任何形式取消僱主供款與長期服務金及遣散費的對沖，因改動令僱主須作出撥備，應付可能的額外支出，影響公司整體賬目，直接關乎與銀行的信貸關係。商界另有意見認為，若政府最終取消對沖機制，將破壞營商環境，迫使企業解僱員工再重新聘用，又或者讓員工轉為以自僱人士形式受聘。 不過，工聯會立法會議員鄧家彪認為，政府若肯檢討強積金對沖機制，有如對制度施「大手術」以挽回公眾信心，又指現時僱主供款須與遣散費及長期服務金抵銷，降低僱員強積金的儲蓄額，令計劃吸引力大減，取消對沖機制有助僱員更有意欲管理強積金投資組合，長遠可減少政府福利開支的負擔。 對沖機制礙積金「全自由行」 抵銷安排（或稱對沖機制）的出現，讓政府於2000年12月順利推行強積金計劃；然而，這個權宜之計卻成為今天實施強積金「全自由行」的技術障礙，原因是僱主根本難以追蹤其供款部分由哪些受託人負責。 上世紀90年代政府籌備強積金時，建議法定強制僱主供款，當時受到商界強烈反對，促使當局提出抵銷安排作讓步，令雙方最終達成共識。即是說，當僱主一旦須要遣散或向僱員支付長期服務金時，可毋須動用額外資源，能紓緩他們的財政壓力，故被視為一種對沖機制。 強積金收費過高的問題衍生2012年11月實施的「僱員自選計劃」（俗稱「半自由行」），即使僱員轉投其他受託人，僱主供款的戶口仍維持不變，動用抵銷安排時，受託人會負責替僱主計算，究竟可以從有關戶口提取多少支付遣散費或長期服務金。 政府和積金局一直表明，終極目標是「全自由行」，不論僱主和僱員供款的部分，僱員都可以自行決定由哪個受託人負責管理。 換言之，僱主不但無法干預，而且難以追蹤其供款部分由誰管理，假如僱員的強積金攤分於不同戶口，僱主啟動抵銷安排時，先要確定哪幾個戶口，再逐一計算由該僱主供款的總額，技術上相當困難。 不過，為免抵銷安排成為實施「全自由行」的絆腳石，積金局行政總裁陳唐芷青曾表示，當局亦研究其他折衷辦法，例如限制僱員最多只有兩個戶口，或建議僱員把僱主供款部分轉移至另一戶口獨立處理。 自存倉