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时间:2019年05月20日 12:59:09

Britain英国Students Loans: A Quick Buck学生贷款:迅速赚大钱The government plans to sell out part of the student loan book.英国政府计划廉价处理部分学生贷款账单Disposing of government assets is a risky business.处理政府资产是一笔有风险的买卖。Despite his claim to have “saved the world” in 2008 by averting the collapse of the British banking industry, many voters instead remember Gordon Brown as the dupe who flogged Britain’s gold when prices were at a historical low.即使戈登-布朗声称在2008年通过避免英国业的崩溃来拯救世界,许多选民反而把他看成当金价于历史最低点时把英国黄金抛售的骗子。Now Jo Johnson, the universities minister, must hope for better luck.如今,教育部长乔-约翰逊一定期望好运。On February 6th he set out a plan to sell a slice of the student debt held by the government.在2月6日,他开始计划卖掉一部份政府持有的学生贷款。It is a pioneering move: Britain is the first country to hawk income-contingent student loans to private investors.这是一次创新之举:英国成为第一个将按收入比例还款型的学生贷款兜售给私人投资者的国家。The proposed sale has been a decade in the making.这次兜售提议在过去十年间不断完善。In 2008 the Labour government passed the Sale of Student Loans Act, which laid the legal groundwork.在2008年,工党政府递交了学生贷款出手的法案,这奠定了合法的基础。The deal’s complexity is the main reason for the delay.这个提案的复杂程度是其被推迟的主要原因。It would involve around £4bn (bn) of loans made to nearly half a million students, who began making repayments between 2002 and 2006.因为这将会涉及近乎的40亿英镑(约50亿美元)贷款——由50名万学生产生并且在2002年到2006年之间就已经开始进行还贷工作。There is little certainty about the repayment schedule: graduates pay money back only when they cross an earnings threshold, currently £17,495.有一点不确定的就是还款计划:大学毕业生只有当他们的收入超过17,495英镑的门槛时才需要还款。They pay 9% of their earnings above the level; interest is the lower of inflation or the base rate plus one percentage point.他们一般付超过收入门槛以上的9%的额度,并且利率为通货膨胀率或基本利率的较低值再加上1%。All this makes it hard to work out what the loans are worth.这一切让人们很难算出这些贷款的价值。The deal would involve slightly less than 10% of the student debt the government holds from before the tuition-fee system was changed in 2012.这项提案将涉及稍低于10%在学费体系于2012年改革之前政府所持有的学生贷款。If all goes well it is expected to sell further tranches of the debt.如果一切顺利的话,预计会进一步处理这些贷款。Selling it gradually is sensible, says Nicholas Barr of the London School of Economics, since nobody has much idea how it will work out.伦敦政经学院的尼古拉斯-巴尔表示,一步步处理这些贷款是很明智的,因为没有人知道这一切会如何演变。Opposition to the sale has been building for some time.反对出售学生贷款的呼声已经兴起了一段时间。In 2014 the National Union of Students warned the government against flogging the debt to “some unscrupulous, bowler hatted, fat-cat profiteers.”在2014年,全国学生联合会警告政府不要贩售这些学生贷款给那些不择手段、冠冕堂皇、一夜暴富、唯利是图的人。More recently, critics have worried that graduates may lose out if the purchaser of the debt decided to tinker with the terms of their loans.最近,批评家担心,如果学生贷款的卖家决定去利用贷款中的条款胡作为非,那么这些大学毕业生可能会赔个精光。The government has promised that there will be no such changes.政府已经做出承诺,人们所担心的变化不会发生。That means graduates may in fact benefit from the sale.这表示,实际上大学毕业生可能从交易中获益。If the terms of the loans are fixed, the government would no longer be able to fiddle with them, as George Osborne, then chancellor, did with a different generation of student loans in 2015.如果贷款中的条款定下,政府将不再能够恣意修改,因为原财政大臣乔治-奥斯本在2015年推行了新一代的学生贷款。But, notes Nick Hillman of the Higher Education Policy Institute, it would also be harder for a future government to relax the conditions, perhaps as part of a pre-election giveaway.但是,高等教育政策研究所的尼克-希尔曼提到,未来政府也许会更难以缓解这种情况,这可能会成为预选提问过程中的一环。A bigger worry is that the taxpayer will get a bad deal.更令人担忧的是纳税人会得到不公平的待遇。When a previous government sold a more straightforward form of student debt from the 1990s, the hope was that the buyer would be more tenacious when chasing delinquent graduates.前任政府从20世纪90年代开始以更直接的形式卖出学生债务的时候,期望的是买家在向欠债学生讨债时更坚决。Since repayment is now deducted straight from pay-packets, there is no obvious way for investors to whip the regime into better shape.因为现在还款直接从薪水账户扣除,投资者没有明确办法来完善此种体制。And buyers are likely to be leery of income-contingent loans because of the difficulty in assessing their value and because they are an unfamiliar form of debt, says Mr Barr.另外,巴尔表示,买家可能对按收入比例回报的贷款心存疑虑,因为很难去评估其中的价值以及这些是不常见的贷款。The government is simply swapping a future flow of income for cash today, and will probably pay to do so.府仅仅就是用未来收入流动来交换今天的现金,他们很可能为其买单。译文来源考研英语时事阅读 /201704/501519

听力参考文本(文本与音频不全一致,敬请谅解):Attention businesses and organizations in West Michigan: women of color are more than y, willing and able to take on leadership roles.Thats the message on this International Womens Day from a study exploring why women of color are so often passed over for leadership roles in Kent and Ottawa Counties.Shannon Cohen is one of the two researchers who spent a year hearing stories and collecting data for a project called Invisible Walls, Ceilings and Floors: Championing the Voices and Inclusion of Female Leaders of Color in West Michigan. She joined Stateside to talk about the study that surveyed women of color between the ages of 30 and 60.Cohen co-authored the study with Patricia Sosa VerDuin. Cohen said it came out of ;head and heart for both of us.;;Both of us are women of color,; said Cohen, who is also part of the organization Sisters Who Lead. ;Pat is Latina, Im African-American. And we have both come of age professionally in West Michigan. So we have navigated the waters of being the first, and the only, often, both in civic spaces of service and our professional lives. And [we] wanted to create a safe space to talk about some of the people power politic nuances of that.;Listen to the full interview above to hear about the studys findings, and learn what businesses are missing out on by not bringing women of color to the table.201703/496493

Finance and economics: Robots v humans Machine earning财经:人机对战,机器学习Jobs in poor countries may be especially vulnerable to automation.贫穷国家的工作岗位更容易受到自动化的冲击。Bill Burr, an American entertainer, was dismayed when he first came across an automated checkout.美国艺人Bill Burr第一次使用自动收银台时感觉很不自然。“I thought I was a comedian; evidently I also work in a grocery store,” he complained. “I cant believe I forgot my apron.”他抱怨说:“我感觉我就像一个小丑,就像是我也在杂货店工作。就差自己给自己带一个围裙了”。Those whose jobs are at risk of being displaced by machines are no less grumpy.那些工作有被机器取代风险的人们仍然是烦躁的。A study published in 2013 by Carl Benedikt Frey and Michael Osborne of Oxford University stoked anxieties when it found that 47% of jobs in America were vulnerable to automation.在2013年,牛津大学的Carl Benedikt Frey 和 Michael Osborne公布的研究报告增加了(人们的)焦虑情绪。报告中指出美国47%的工作会受到自动化的影响。Machines are mastering ever more intricate tasks, such as translating texts or diagnosing illnesses.机器正在掌握更复杂的能力,例如翻译文本或者诊断病情。Robots are also becoming capable of manual labour that hitherto could be carried out only by dexterous humans.到目前为止,机器人的动手能力也越来越接近熟练工。Yet America is the high ground when it comes to automation, according to a new report from the same pair along with other authors.而据来自同一研究机构的新报告指出,在自动化进程中,美国还是有优势的。The proportion of threatened jobs is much greater in poorer countries: 69% in India, 77% in China and as high as 85% in Ethiopia.在更落后国家中失业率将会更加加剧:印度69%,中国77%,埃塞俄比亚高达85%。There are two reasons. First, jobs in such places are generally less skilled.有两个原因。第一:这些地方的工作一般缺乏技术含量。Second, there is less capital tied up in old ways of doing things.第二:旧的生产方式占用较少的资金。Driverless taxis might take off more quickly in a new city in China, for instance, than in an old one in Europe.例如:比起欧洲某个古老的城市,无人驾驶可能更快的在中国的新城市中投入。Attracting investment in labour-intensive manufacturing has been a route to riches for many developing countries, including China.包括中国在内的许多发展中国家,在劳动密集型制造业吸引投资是一个致富的方法。But having a surplus of cheap labour is becoming less of a lure to manufacturers.但是拥有过剩的廉价劳动力对制造商的吸引越来越小。An investment in industrial robots can be repaid in less than two years.工业机器人的投资不用两年就可以回本。This is a particular worry for the poor and underemployed in Africa and India, where industrialisation has stalled at low levels of income—a phenomenon dubbed “premature deindustrialisation” by Dani Rodrik of Harvard University.在落后以及低就业率的非洲和印度这样的情况尤其值得担心,这些国家的工业化进程已经完全滞后在一个低收入水平。哈弗大学的Dani Rodrik把这也现象称为“过早的工业倒退”。Rich countries have more of the sorts of jobs that are harder for machines to replicate—those that require original ideas (creating advertising) , or complex social interactions (arguing a case in court) , or a blend of analysis and dexterity (open-heart surgery) .富裕的国家能提供更多样,并且不是机器能简单复制的工作,例如那些需要创意的(广告),需要复杂的社会活动(律师),以及需要融合分析和熟练操作的工作(开胸手术)。But poorer countries are not powerless.但是更落后的国家不是无能为力的。Just because a job is deemed at risk from automation, it does not necessarily mean it will be replaced soon, notes Mr Frey.Frey先生解释说:“虽然一份工作存在被自动化取代的风险,但它不一定意味着不久就会被取代。”The cheapness of labour in relation to capital affects the rate of automation.与廉价劳动力相关的投资成本影响了自动化的普及。Passing laws that make it less costly to hire and fire workers is likely to slow its advance.法律允许的雇佣和解雇工人的低成本也容易减缓它的迭代。Scale also matters: farms in many poor countries are often too small to benefit from machines that have been around for decades.规模同样会影响它:许多落后国家的农业规模太小以至于不能从自动化中得到利润,这样的情况持续了差不多有数十年。Consumer preferences are a third barrier.消费习惯是第三个障碍。Mr Burr is hardly alone in hating automated checkouts, which explains why 3m cashiers are still employed in America.Burr先生不是唯一一个讨厌自动收银的人,这很好的解释了为什么美国仍然有三百万的收营员。 /201701/488781

网罗天下新鲜、好玩、有趣、时尚的英语表达,尽在独家专栏节目;E聊吧;。本期节目的topic:吹牛,说大话You are talking big.你吹牛。【讲解】talk big: 说大话,吹牛。【情景一】很多人撒谎不眨眼间,小心牛皮吹大了可是会破的。Clark likes to talk big.克拉克爱说大话。【情景二】相信没有人会愿意相信那些喜欢吹牛的人说的话。Dont talk big. I dont believe you.别吹牛了,我不相信。 /201205/181652

特别声明:该文章出自可可编辑Juliet与英语专家共同合作的英语教学书籍《娜娜教英语》之《小题大做》篇,请勿侵权,转载需注明出处。 第一, 迷你对话A: The thing is that many people become green with envy at those who are making big money.人们总是热别嫉妒那些很有钱的人。B: Even worse than that. Some people rack their brains and try every means to burn them down., by hook or by crook.更糟糕的是有的人还不折手段去整垮他们。A : Jealousy can be a fatal thing. That has ruined many people who were being greatly envied.妒忌是致命的弱点,它毁掉了许多被人羡慕的东西。第二, 地道表达burn someone down1. 解词释义Burn down的原意是“火力减弱,渐渐烧尽”,后来引申指让某人蒙羞或者是灭灭(某人的威风从而不让他那么嚣张。其英文解释为:为to humiliate someone。2. 拓展例句e.g. He had never the article in the first place but couldnt pass up the chance to burn her down.他根本没看那篇通讯,不过他不愿放弃这个扫她面子的机会。e.g. He is so arrogant that I have to burn him down.他很傲慢,我要灭一灭他的威风啦。e.g. They say he intended to burn her down in a triumphant procession on the streets of Rome.他们说他打算在罗马的街头的胜利凯旋中来灭她威风。e.g. He was boasting as usual about his prowess on the tennis court, but Pam soon burn him down by beating him effortlessly in straight sets.他总吹嘘自己在网球场上的杰出技术,可是帕姆毫不费力地连续数局败他,让他马上威风扫地。第三,视野拓展burn down :焚毁;(使)烧成平地e.g. The time had come to burn down the landlords mansion.放火烧掉地主庄园的时候到了。e.g. Anarchists burnt down a restaurant.无政府主义者把一家饭店烧成平地。第三, 词海拾贝green with envy:妒忌e.g. I was absolutely green (with envy) when I saw his splendid new car.我看到他那辆漂亮的新汽车就非常眼红。e.g. Miss Lee was green with envy on her friends promotion.李对她朋友的升迁感到羡慕。e.g. Dont be green with envy. He deserves the prize since he has spent a whole mouth on that paper.别那么眼红了。他花了整整一个月的时间才写出那篇论文,他该拿这个奖。e.g. We do not envy with green eyes at those millionaires who make money honestly.我们对那些通过诚实劳动挣钱的百万富翁绝不眼红。make big money:赚大钱e.g. These peddlers cant make big money, for the prices of their goods are often cut to bones.这些小贩们赚不到什么大钱,人们在买他们的东西时常常把价格压到了最低点。e.g. Various criminals like smugglers, drug dealers and all sorts of impostors make big money illegally.形形色色的犯罪分子,如走私犯、贩毒分子以及各种各样的诈骗犯非法赚取了大笔钱财。e.g. When I get a chance to make big money, I’ll cut you in.我要是有赚大钱的机会,一定也让你参加。e.g. The two men had brave schemes to make big money quickly but they never came to anything.那两个人雄心勃勃地要马上赚大钱,但是一个子也没赚到。rack one’s brain:绞尽脑汁e.g. Bob racked his brains trying to remember where he left the book.鲍勃绞尽脑汁试图回忆起书丢在何处。e.g. Im racking my brains to find a way to keep head above water.我绞尽脑汁想法不欠债。e.g. Though she racked her brains, she could not come at his answer.她绞尽脑汁,却仍然听不懂他的回答。e.g. I know wed have to rack our brains to get it done in reasonable time.我知道我们必须绞尽脑汁以便在合理的时间内完成这件工作。by hook or by crook:不择手段地,千方百计地,想尽一切办法地e.g. Ill get the work finished this week by hook or by crook.我会想方设法在本周完成这项工作。e.g. Ill solve this problem by hook or by crook– even if I have to stay up all night or ask all my friends for their help.我无论如何要解决这个问题,即便我得通宵不睡觉或者是向朋友求助。第四,语法点拨That has ruined many people who were being greatly envied.要点:这是一个含有定语从句的复合句。主句是That has ruined many people,从句是who were being greatly envied。先行词是people,表示人,它在从句中充当主语,所以引导词用who,也可以用that。此外,从句中使用了被动语态:were being envied. /201507/387286

Subject:He spends his money like he is play duck and drake. 迷你对话A: I heard that Adam had bought a latest MP4.我听说Adam买了一个最新款式的MP4。B: It is very normal. He spends his money like he is playing duck and drake.这很正常,他花钱挥霍无度。 地道表达 play duck and drake 1. 解词释义Duck和drake都是鸭子。Play duck and drake原来是指一种游戏:在河边捡起小石子把它们一个个扔到水面上,看是否能激起水漂,这样做就会惊起河里的鸭子们。而游戏玩得高兴就难以罢手,直到河边的小石头扔得差不多了才停下来,所以现在用这个短语来形容一个人花钱像扔石头随意和无节制,即为挥霍无度的意思。 2. 拓展例句e.g. The little boy spends his money like his playing duck and drake. His parents spoilt him by giving him too much pocket money那小男孩挥霍无度,父母给他太多零用钱,把他宠坏了。e.g. I learned later, he wrote to his father on the subject that I spend my money like I am playing duck and drake.我后来听说,他给他父亲写信说我挥霍无度。e.g. He spends his money like he is playing duck and drake, which is why he is always in debt.他挥霍无度, 难怪总欠债。Is that a new ring? Thats a new dress isnt it? Have you spend your money like you are playing suck and drake.是新的戒指吗?那是新裙子喔?你近来很挥霍无度? /201403/280602


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