月度归档:2019年06月

壓力是阻力還是助力

今天是不少學生開學的日子,根據香港青年協會近日一項調查發現,超過三成中學生面對開學時感到緊張及恐懼,以10分為最大壓力,評分為7至10分,壓力指數偏高。七成受訪者擔心「課程太深」,其次約42%人憂慮即將面對文憑試,36%人則擔心未能習慣新的校園生活及環境。此外,由教協及小童群益會合辦的教得健康支援中心,於去年底以網上問卷訪問530名中小學教師,發現有七成人處於「高壓」狀態,教師平均每日花11.6小時工作、2.6小時進修,睡眠時間則僅6.1小時,四成受訪教師更有焦慮症及抑鬱症徵狀。究竟學校是一個愉快的學習園地,還是一個令人抗拒的煉獄呢?

在幼兒園的入口處,大部分的孩子都在微笑著,很高興去上學;到了小學,心情還很輕松;然而,一旦你到了中學,你真的要擔心才會開始上學!我不禁要問:是誰偷走了他們真誠的笑容和學習新知識的勇氣?

著名的網上電臺友心情推出了系列網上有效減壓方法的正向節目,如運動方面組織“sing 動全城”“慢活跑”等戶外放鬆活動;娛樂方面也推出了經典作品“電影人生專輯”、“心‧聆世界”、“顏色與心情”等正能量減壓資訊節目。

其實,我不知道什么時候開始,“快樂學習”已經逐漸成為一種奢侈。我相信,大多數理想的教育者都會認同,教育的目標是培養人才,培養良好的品格,培養學生成為未來社會的支柱,為社會做出貢獻。然而,由於種種因素,香港的學生似乎無法很好的享受校園生活。他們每天回到學校,放學後參加補救課程,過著鐵一般的生活。無論是成績優秀的學生還是學業水平稍低的學生,他們都面臨著成人無法理解的壓力。他們害怕自己的成績不會超過別人,他們不會被錄取到自己想要的大學,他們不會找到一個理想的職業,他們更害怕辜負父母的養育之恩。另外,教師的工作壓力也是值得關注的,外人真的不懂苦。過去,長時間輕松的暑假可以讓老師們充電,但現在暑假由於補課、備課和學習而縮短了。同時,教師在工作日也要處理大量的非教學行政工作。下課後,無論是面對學生、備課、組織課外活動,甚至是批改作業,工作也勢不可擋。如果學生遇到情緒問題,老師會給他們額外增加100英鎊,這也可能引發情緒問題。

事實上,除了鼓勵教師和學生隨時具備應變能力和壓力管理技能外,還鼓勵他們面對壓力,了解如何應對,並在必要時積極與人交談和尋求幫助。如何改善香港的教育制度,使學生能喜歡學習和發展更多的意念。它也讓教師在教學中重新獲得滿足感,讓適當的壓力成為一種幫助而不是阻礙。這是教育界和家長應該共同努力的方向。

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什么可以影響貨幣彙率的變化

1。對數據發布和數據發布本身的期望。貨幣使用者的數據可以理解為國家經濟指標的披露。利率變動的消息、經濟評論等重大事件將影響貨幣市場。重大事件發生前的期間和事件本身會對貨幣彙率的變化產生強烈的影響。有時,在等待出版或出版時,很難確定哪個更具影響力,但主要的出版往往會導致劇烈的、經常持續的變化。最近數據發布的時間和日期將始終提前公布。一個國家公布的最重要的數據公布在經濟日曆上。在數據到達之前,在分析預測中公布了數據對特定貨幣彙率影響的展望。因此,隨著數據的預期,彙率開始朝著預期的方向變化,在確定預期後,彙率往往會朝相反的方向變化。反轉的原因是交易者在預期階段結束了開倉。

您的貨幣兌換及外幣匯款的第一選擇。我們通常會於11:00am更新現鈔外幣匯率,因應24小時運作的外匯市場對該貨幣數量的供求需要

2.基金的活動(投資、養恤金和保險基金)對長期彙率變動的影響最大。基金的活動包括多種貨幣的投資。他們的巨額資本可以扭轉彙率。這種資本由基金經理管理和運營。他們有自己的方法,因此基金經理可以在短期、中期和長期開設職位。在對市場(基本面、技術和其他方面)進行徹底分析之後才作出決定。基金經理預測事件、指數和新聞的結果,並采取先發制人的策略,及時向正確的方向打開頭寸。市場分析的反複出現給出了100種准確的結果,但這些基金可以用其可觀的資金和經過驗證的策略來啟動、修正和強化最強大的趨勢。3.進出口公司是外彙市場的直接用戶,其活動影響貨幣彙率的變動;由於出口商總是對出售貨幣感興趣,進口商總是對購買貨幣感興趣。可靠的進出口公司設有分析部門,其任務是估計彙率,以便以對公司有利的價格買賣貨幣。從對沖貨幣風險的角度來看,跟蹤趨勢對井口和出口商也很重要。通過期貨交易可以將風險降到最低。進口商和出口商對市場的影響是短期的,不足以形成全球趨勢,因為它們的交易量在市場上微不足道。

支援網上查詢不同貨幣之銀行利息及銀行利率,當中包括港幣、人民幣、英鎊、澳元、歐羅等十二種貨幣,列出儲蓄及定期存款利率供參考,資訊一目了然。

4.政客在會議,新聞發布會,首腦會議和報告中發表的聲明可能對彙率變動產生嚴重影響。他們的影響甚至可與經濟指標相媲美。大多數情況下,他們的日期和時間是預先確定的,其後果是預先推測和假設的。但是,有時它們是意料之外的,並且會導致強烈且通常無法預測的變化。包含長期影響數據(如利率變化或聯邦預算)的陳述可能會導致長期趨勢。當彙率處於臨界點時,這種聲明可能導致中央銀行的幹預。可以想象,這將對市場產生巨大影響。在幾分鍾內,彙率可能會向幹預方向移動數百個點。

5。政府通過中央銀行幹預市場。沒有中央銀行幹預的貨幣交易使該國貨幣成為自由浮動的貨幣。然而,在極少數情況下,擁有這種貨幣的政府可以通過貨幣交易進行幹預。國家管理的旨在增加消費和發展工業的彙率。他們通常采用直接和間接管理。間接管理調整通貨膨脹水平和流通貨幣總量。直接管理包括利率政策和貨幣幹預。後者與國際市場上大量資金的迅速釋放和引進有關。中央銀行不直接進入市場,而是使用商業銀行。交易量巨大,幹預會嚴重影響貨幣彙率的變化。有時各國央行會聯合幹預貨幣市場。

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Mounted deposit calculator: Interest payouts, the best way to compute desire, income tax on Fd’s

In today’s unstable markets, just about every growth oriented financial commitment carries a degree of hazard and uncertainty, which impacts your overall returns. In the event the current market forces are favourable, you could gain larger returns, but inside the circumstance of the downturn, the risk could be higher.

Alternatively, fixed earnings instruments like mounted deposits offer certain returns, so you can approach your finances much better. By forecasting your returns, it is possible to system your investments to fit your aims simply. Guide calculations might be cumbersome and inaccurate.

Using a set deposit calculator may perhaps assist you compute your interest on FDs conveniently. Most financiers have an FD Calculator on their web page, which helps possible buyers check out their returns just before investing. The Bajaj Finance Fixed Deposit Calculator enables traders to simply check out their returns, and compute the interest on their own FDs ahead of they begin investing.

The calculator helps you to compute the preset deposit regular monthly curiosity and also the onetime payout at maturity by selecting the payout frequency. What’s more, it displays you the overall maturity proceeds, letting you to plan your yearly taxable income from FDs in advance.

That is not all. FD calculators will let you in different other approaches. Have a glimpse at how you can put the set deposit calculator into the best use.

Compute monthly desire payouts

Say you open a set Deposit that has a deposit of Rs.five,00,000 using an issuer who gives an 8% interest charge compounded quarterly. Once the initial quarter, you’ll earn Rs.ten,000 curiosity on the principal. Here the 8% is divided by four to arrive on the curiosity amount with the quarter. Just in case you will have to gauge regular payouts then basically divide Rs. ten,000 by 3. On performing this you’ll are aware that based upon this curiosity fee, the month to month earnings on your own selected principal is going to be Rs. three,333 roughly.

Calculating monthly payouts will help, if you pick to entry your interest earnings often every month. Thus, you should utilize the calculator to feed in varying principal amounts and tenors, trying to keep the payout solution continual at regular monthly. This fashion it is possible for you to to settle on the principal total depending on your monthly obligations.

Compute tax obligations

According to the Interim price range 2019, you’ll be able to acquire tax rebates for those who are suitable for exemption beneath Section 87A. Also, as per the newer terms, TDS on bank and article office environment FDs will only be deducted when your earnings cross Rs. 40,000 within a calendar year. In case of NBFC FDs, TDS will probably be paid out towards the federal government at a 10% amount in case your desire returns exceed Rs. 5000 in a single monetary calendar year.

Time deposit accounts of China Construction Bank include HKD,RMB and various foreign currencies. Enjoy our time deposit maturity eAlerts (SMS/email) after registeration and comprehensive options for renewal!

preserving this in your mind, you may use the mounted deposit calculator to compute your complete accrued desire prior to investing. This will assist you choose the amount of financial commitment inside of a calendar year will allow you to preserve utmost tax. Bear in mind the returns from FDs are totally taxable since they are counted as an excess resource of profits. So, examining this volume will help you strategy far better and decrease your tax obligations just as much as is possible.

Fully grasp compounding curiosity to make a decision payouts

picking monthtomonth payout on FDs is a excellent selection after you must address certain obligations each month. Having said that, in the event you are eager on diversifying your portfolio and wish liquidity, you are able to decide on various FDs to park your cash and go for different payout solutions. In this manner you’ll reach entry maturity proceeds at distinctive points in time to fund your ambitions.

Your FDs make far more returns by using desire compounding. Every time the curiosity you get paid is reinvested using the principal, hence the a lot more repeated the compounding, the upper are going to be your earnings. Consequently, utilize the calculator and easily change payout from quarterly, monthtomonth, or annually possibilities based on your goals and wishes to check your potential earnings. By picking out to get your earnings at maturity, it is possible to profit through the electric power of compounding and gain extra. preset Deposit Calculator can certainly enable you to make this conclusion.

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The quantity you gain every thirty day period on the FD investment is right proportional into the level of fascination you get. This is often why you need to decide on an FD such as the Bajaj Finance Set Deposit to learn from curiosity rates as substantial as eight.95% on an FD begun for a minimum of three many years with curiosity payouts on maturity. What’s more, these FDs have ICRA’s MAAA and CRISIL’s FAAA scores. These are typically the best credit history rankings in their respective categories. Many thanks to this, you are able to spend with this issuer without fearing the security of one’s money and tailor your expense to the desires by deciding upon from the flexible tenor of 12 to 60 months and making use of the helpful FD calculator.

This FD also will make it simple for you to manage your funds since it will come with an on line account management. Therefore, you may start purchasing this FD online by filling out an easy on the net variety. This is certainly all it will take to start your expense and generate superior returns, so start now!

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