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FAQ, Trivia and Information on Life in America: Ask-A-Desi

This section will attempt to address some of the 楼市迎来诸多利好 价格其实在微跌深圳拼命涨 on Life in the US, Canada and North America that immigrants, visitors and others from different cultures attempt to address. If you have any additional inputs or wish  to see more topics addressed, mail us at

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Finance 101

长三角多数新房项目未涨价 说楼市回暖为时尚早 

Even after the advent of plastic money (credit cards), using checks for paying utility bills, grocery, subscriptions etc., is inevitable. We all have at least one checking account with a local/national Bank. After opening a new checking account, the Bank issues (either free or at a nominal fee) checkbooks. Have you noticed that the new check-number starts not from 1 but from 101? Have you ever wondered why so? Well, here are two reasons behind this:

Why new Check numbers start from 101?

Financial Reason

Any banker will easily vouch that 90% of all forged checks are drawn on accounts less than barely 3 or 6 months old. So, lower the check-number, more prone for suspicion it is. Many merchants outrightly used to deny checks of lower check-numbers. So, consumers started asking the Check-providers (whether it's the Bank itself or private third party providers) to supply checks bearing higher numbers. After all, in US, check number is just a reference for the consumer, the Bank and payment-receiving party are concerned only about the "Routing Number" of the Bank and "Account Number" of the consumer. That way, consumer has the freedom of choosing his own number for checks. Instead of making any arbitrary number as the starting of check-number sequence, most Banks today follow the procedure of issuing checks for new checking accounts starting with the number 101. Anyway, forgery/fraud can still happen. This is not fool-proof remedy for it.

Technical Reason

Check Your Check Number!

When her mother came to the school to collect Guo's remains, other students gave the grieving woman tt r names and phone numbers, asking for her help in contacting their own parents to get them out of the bo t camp. One of the practices of the facility, which aimed to "reform" behavior through fear-based trainin g and harsh discipline, was to limit students' contact with the outside world.
单词check 联想记忆:
When you think of him, your heart would jump between fast and fast.
The eighth grader's candidacy is also about overcoming age discrimination, which he sees as a barrier to equality, and he says his quest for the top state spot is no joke.
10、 因为与邦德在一起很有趣,女人往往会迷上他,这在人际关系中很重要,也是很多首次约会一拍即合的秘诀。甚至派去杀他的女特工也会爱上他。研究证明,这也不奇怪,007的形象常被批成大男子主义,也许不错--但是,只能让他在女人面前的魅力有增无减。
Did I mention that LeBron James is a free agent this summer?
《她》(Her),由斯派克?琼斯(Spike Jonze)担任编剧兼导演,将浪漫带入了虚拟世界,影片的主人公展开了一场有些疯狂的真正激情之旅。华金?菲尼克斯(Joaquin Phoenix)扮演的男主角是个令人心酸的孤独小伙子,他爱上了自己智能手机的新操作系统。影片的基本构想有些脆弱,但故事非常华丽地展开,霍伊特?范?霍特玛(Hoyte Van Hoytema)的摄影也很精妙,完美地烘托了菲尼克斯、艾米?亚当斯(Amy Adams)和斯嘉丽?约翰逊(Scarlett Johansson)的表演。斯嘉丽?约翰逊在片中扮演的是智能手机操作系统的声音和灵魂。

n. 污染,污染物
1. Love what you do.
But what will politicians actually do While President Trump is focused on bringing back traditional manufacturing jobs to America, different US states are experimenting with other policies to help low-paid precarious workers. These range from sharply higher minimum wages to new rules to stop employers changing staff schedules at the last minute.
Given that travel costs to Russia may surge in 2018 when the FIFA World Cup will take place there, visiting this year would be a smarter choice.
“The headwinds that Chinese banks face will last for a long time,” he said. “In addition to lower sources for profit, they will also have to prepare themselves for losses on bad loans.”

节目23 《直通春晚》①《山路十八弯》(表演者:阿普萨萨)②《我是一只小小鸟》(表演者:许艺娜)③《我爱你中国》(表演者:平安)
Performances by Kelly Clarkson, Tim McGraw, Taylor Swift, Carrie Underwood and Miranda Lambert rocked the house at the MGM Grand Garden Arena.

沪二手房中介门店关掉15% 成交量触及生死线

The Dow Jones Industrial Average (DOW) is an index of the average closing prices of thirty blue-chip stocks. There are more than 6,700 stocks in the market, but the DOW, with its thirty stocks, is used to gauge and forecast the health of the economy.


It began simply enough in 1884, when financial journalist Charles Henrry Dow devised a way to help his readers track the fluctuations in the market. He chose eleven stocks - mostly railroads - and added up the closing price of one share of each company's stock. Then he divided by 11 to come up with an average. In 1928 Dow added another nineteen industrial companies to the list. The editors of the Wall Street Journal (which is owned by Dow Jones & Co.) substitute new companies for the originals only if a business changes drastically, merges, or goes bankrupt. That's happened just seventeen times in the past seventy four years. Following are the constituent companies of Dow Jones Industrial Average as of now.

AT&T Corp., Allied-Signal Inc., Alcoa Inc., American Express Co., Boeing Co., Caterpillar Inc., Citigroup Inc., Coca Cola Co., Walt Disney Co., DuPont E I De Nemours & Co., Eastman Kodak Co., Exxon Corp., General Electric Co., General Motors Corp., Hewlett Packard Co., Home Depot Inc., Intel Corp., International Business Machines Corp., International Paper Co., Johnson & Johnson, McDonald's Corp., Merck & Co. Inc., Microsoft Corp., Minnesota Mining & Manufacturing Co., Morgan J. P. & Co. Inc., Philip Morris Companies Inc., Procter & Gamble Co., SBC Communications Inc., United Technologies Corp. and Wal-Mart Stores Inc.

Other changes in the financial landscape have affected the Dow, and some experts question its worth as an accurate gauge of the market. One complaint is that about 80 percent of the country's workforce is employed by service industries, yet about 80 percent of the Dow is made up of stocks for manufacturing, not service, companies. That means the bulk of America's industry is underrepresented by the Dow. Another problem lies in the Dow's size. Because it contains only thirty stocks, a strong move by any of them can skew the index. How? Because the Dow is based on the closing price of a single share of a company's stock, not the market value of the entire company. The result: Small companies with high-priced shares can have a greater effect on the Dow's average than huge companies with many more lower-priced shares - even though the big company may be more profitable than the small one.

For these reasons and more, true financial professionals hardly use the Dow in research. Yet they all continue to quote it. The Dow is ingrained in Wall Street culture and is recognized and basically understood by everybody in the field.

Significant levels on the Dow in recent past:

Date Dow Value Description
December 6, 1974 577 The last Bear Market bottom
July 12, 1976 1011 Highest point between Jan '73 and Oct. '82
August 12, 1982 776 The start of the "Reagan Bull"
August 25, 1987 2722 The 1987 high
October 19, 1987 1738 The (508 point) crash of 1987
February 2, 1994 3975 The top of the post 1987 crash recovery
November 23, 1994 3674 The start of the Clinton "super bull"
March 29, 1999 10006 The first Dow close above 10000
January 14, 2000 11723 The all time high
March 17, 2000 10630 The biggest one day gain (499 points)
March 20, 2001 9720 Dow closes below previous year low - first time since 1982
Sept 11-14, 2001 9605 Terrorist attack - Dow closed for four days
Sept 17, 2000 8920 The biggest one day fall (685 points)
Sept. 21, 2001 8235 Dow's second worst week ever -14.26%
Dec 31, 2001 10021 Dow up 21.7% from Sept. 21 low but down 7.2% on the year
July 23, 2002 7702 Low close of break below post 9/11 low.

Links of Interest:

  • 2018 房地产商在十大“热词”中讨生活
  • 多家非房企上市公司三季度卖房扭亏


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