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10 Tips for Staying on Budget

Reaching your financial goals requires both planning and determination. See more pictures of banking and money management.
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You have a big expense coming up. You need a better car, or a bigger home, or you w­ant to go back to college. What do you do? Borrow, borrow, borrow -- right? Well, maybe not.

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In being named CEO, Mary Barra broke through several historical barriers in moving from GM's third-most powerful executive position to its first. Her job was made both easier by the appointment of a non-executive chairman to handle the board of directors, and more difficult by the decision to give her old job to one of her rivals. As the first product engineer to head the company in two decades, she will be deluged with suggestions about everything from air conditioning vents in new pickups to the future of brands like Buick and Chevrolet.
On Aug 21, the country came to a pause as millions of Americans — even the president — put on eclipse glasses and stopped to take in the first eclipse to cross the United States since 1918. Its path across the United States was a scientific bonanza for astronomers who were able to more easily point advanced equipment at the sun.
“现在大家都骂雾霾是因为我们油质不过关所致,我们也很无奈。”
This will bring in some money and help you make connections, Frederickson says. It can also help you polish skills that you can lose while out of work: "being fast, multitasking, answering questions quickly and succinctly."
With executive compensation in the U.S. rising and the income gap only getting bigger, it's refreshing to see a CEO who cares about more than his own paycheck. Lenovo(LNVGF) Chief Executive Yang Yuanqing announced in September for the second year in a row that he would share at least $3 million of his bonus with roughly 10,000 of his workers. The generous decision was a product of the personal computer maker's record sales that year. The average worker payout is equal to roughly a month's pay for the typical city worker in China, according to Bloomberg News.
但他们事先计划投放100000反平壤宣传单。
在气候学的史册里,2014年超过了2010年,成为最热的年份。有记录以来的10个最暖年份都是在1997年以后,反映了地球不断变暖的趋势,科学家说,这种变暖是人类活动的结果,并对人类文明和大自然构成了深远的长期危险。

The promotion of urbanization in central and western China has also attracted many members of the labor force from coastal cities in East China to inland regions, where the cost of living is much lower, Peng explained.
与此同时,红毯上出现了一个不幸的窘境,粉红佳人和夏奇拉穿着相同的巴尔曼礼服现身。

­It's easy to understand how careful budgeting can improve a financial situation. And we all know that fewer financial problems mean less stress. But here's one of the best benefits: Working together on a budget can help your marriage. With money arguments being one of the largest causes of divorce, managing your budget can relieve financial stress on your marriage and make your life better all around­.

Online marketplace Amazon.com Inc made its debut in the 2015 Thomson Reuters Top 100 global innovators list, leaving International Business Machines Corp, the world's largest technology services company, out of the list.
Angola, Zimbabwe and Albania experienced the largest increases across all the countries surveyed. "On a regional basis, by far the largest gains in life evaluations in terms of the prevalence and size of the increases have been in Latin America and the Caribbean, and in Sub-Saharan Africa", the report said. Reduced levels of corruption also contributed to the rise.

Hope you enjoy the happiness of New Year and all the trimmings.

­

['pl?nit]
克里斯蒂亚诺·罗纳尔多,这位去年收入6100万英镑的超级足球明星,取代了长期占据榜首的弗洛伊德·梅威瑟,成为了去年收入最高的运动员。小梅瑟威是一名退役拳击手,他最近一年只打了一场拳赛,挣了3000万英镑。
There’s no arguing with that one. From bathroom signs to fashion runways, the gender lines have been blurring at an ever-faster pace. It’s about time we ended ye olde pink/blue, girl/boy stereotype divide.

Determine the amount of your budget that you can afford to save each month. Have it direct-deposited to your savings account, or to your mutual fund. Wherever you decide to keep your savings, make sure you put money into it every month. That savings will make a big difference for you later.­

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Using cash instead of credit or debit cards can make it easier to control your spending habits.
Using cash instead of credit or debit cards can make it easier to control your spending habits.
Mario Tama/Getty Images

Take out enough cash to last one week at a time. Make up your mind that the cash you have is all you get for discretionary expenses, or things that you could live without, each week. It's much easier to turn down a $60 pair of shoes when it will take the last of your week's cash than it is when you just have to swipe a credit card.

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­Wh­ether it's alcohol or tobacco, if you use much of either, you know how expensive bad habits can be. Stop smoking and drinking, and put the beer/cigarette money toward your other expenses. You'll see your bills come down -- and feel your health improve -- in no time. You'll also save on health care expenses down the road, and you may become eligible for lower insurance premiums.

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­Make sure you're not the only member of your household concerned about your budget. If you're working hard to save money, but your spouse is out spending you into debt, you're fighting a losing battle. Sit down together and make a plan to determine how much ­spending money you should each have. Then, check in every week to see how well you're doing. If the entire family shares the responsibility for the budget, everyone can cut back just a little and make a big difference. One person shouldn't have to shoulder the entire burden alone.

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If you have credit card debt, you may feel like it's going to take forever to pay it off. But you can get ahead by choosing one card -- ideally, the one with the highest interest rate -- and paying as much as you can on it every month. If you have other cards, pay the minimum balance on those until you've paid off the first card. Then, choose the next card and pay extra on it while you pay minimums on the others. If you pay only the minimums on all your cards, you'll be paying a lot more in interest than you may realize.

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很多人相信,对于中国资源环境来讲,人口已不再是主要威胁。相反,中国的人口危机已转变成出生率过低,社会老龄化加剧以及性别比例失衡。在中国的珠江三角洲等地已经出现了技工短缺的现象,所以不久以后,我们可能将看到计生政策上的重大变革。
贝恩公司(Bain & Company)也正处于变革之中,去年11月该公司宣布曼尼马塞达(Manny Maceda)将于2018年3月成为其全球领导人,从鲍勃博切克(Bob Bechek)手中接管这家总部位于波士顿的咨询机构;马塞达将是该公司首位亚洲血统的掌门人。专家们表示,马塞达可能推动该公司开拓新的专长领域,并摆脱业务多而不精的名声。
Although Facebook is blocked in China, Tencent has linked WeChat to Facebook, which means that users outside of China can use the service in conjunction with the world's most popular social network. That is a boon for WeChat in Southeast Asian countries like Indonesia, Thailand and the Philippines, which have large numbers of Facebook users. Tencent has offered WeChat in languages for all three markets.
10. 迪皮卡-帕度柯妮 1000万美元
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酒店和餐饮业高管薪酬均值增速最快,均为47.58%。

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Foreign property investment by Chinese companies plunged by 84 per cent last month, as Beijing’s capital controls choked off the flow of foreign acquisitions.
7. Your company's human resources staff saw your résumé on a job board。
还是说回TextPride吧。雷和欧布莱恩发现,用户很喜欢各种品牌授权的表情符号,他们相信广告主肯定希望非常便捷地通过一家供应商来进入多种短信应用。但他们也明白,这充其量只能占到这项业务的一半份额。对运动队这类大名鼎鼎的品牌来说,用户是愿意为这些贴纸埋单的。但那些不知名的品牌就需要自己掏钱来挤进这个圈子了。
This habit can seriously hurt you in a work setting. If you’re one of those folks who believes that you do your best work at the last minute and put off projects or assignments until the day (or hour) before they’re due, you may not be aware of the impact your habit is having on your co-workers.If your last-minute rush requires others to work quickly, you will likely anger them, and you’ll be the first one blamed when a project fails or isn’t completed on time.

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­­Look through your budget and all your receipts. Can you find an expense that can be cut? Maybe you could bring your lunch to work twice a week, or set up a carpool with a friend. Just c­utting out restaurant and gas costs can help increase the amount of money you have available for savings and purchases.

­

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­If you find that you keep reaching into your savings, set up a CD or other acc­ount with early withdrawal penalties. Banks and other institutions pay more interest if you'll agree to let them use your money for a longer amount of time. Putting your savings into a yearly CD will yield more than a three-month note would.

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­Remember that life is unpredictable, and things happen that are out of our control. When­ you make a budget, try to allow some extra money for variable expenses. And, be gentle with yourself if you go over your budget sometimes. It can be hard to get back on track ­if you let yourself get too frustrated over a mistake or two.

以美元值计,11月中国的进口总值同比上升17.7%,比10月的17.2%高,高于11.3%的预期增速。
要向依法依规的市场主体发出“前行、前行、再前行”的信号;向依靠劳动创业创新者亮起“可以、可以、再可以”的绿灯;对那些违法违规不良行为,就要及时亮出黄牌,甚至出红牌罚他下场。
1. Bottoms Up Beer System
In this Jan. 7, 1997, file photo, Steve Jobs, chief executive of Pixar, speaks at the MacWorld trade show in San Francisco.
11. Another 26 Favorites — because why not? Many of these could have made my top 10 on another day. “’71,” “Amy,” “Anomalisa,” “Blackhat,” “Chi-Raq,” “Ex Machina,” “Experimenter,” “Gett: The Trial of Viviane Amsalem,” “The Good Dinosaur,” “The Great Man,” “Inside Out,” “Joy,” “Lost Landscapes of Los Angeles,” “Magic Mike XXL,” “Office,” “Results,” “The Revenant,” “Seymour: An Introduction,” “Shaun the Sheep Movie,” “Spy,” “Straight Outta Compton,” “Tangerine,” “Timbuktu,” “Trainwreck,” “White God” and “The Wolfpack.”
这些银行将钱返还给股东的能力有所下降。中央财经大学中国金融业研究中心主任郭田勇表示,缓慢的盈利增长和高额的不良贷款以及存款准备金给银行的资本金补充带来了压力。
走上一段旋转楼梯就是几间卧室。中间有一处阁楼式的书房俯瞰着中庭。主卧套间和配套的浴室内有几面玻璃墙可以观赏数英亩湿地的景色。这个套间通往该房屋临水一侧的一个阳光平台。另外两间卧室也带有配套的浴室。底层已全部装修,用作健身房,并带有一间无洗浴功能的卫生间和一间可停放几辆车的车库。
Warm hearted wishes for a happy New Year filled with all your favorite things.
And despite exports having fallen 7.3 per cent during the same period.
3. You support the teams that I support.

Google's UK results are split into trending searches and most searched.

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未来已来,新工具赋能城市新时代

皮卡大战:如果把得奖的问题抛在一边,福特的全铝皮卡生产起来很不容易,卖得也比较慢,这就为快速崛起的道奇公羊(Dodge Ram)1500提供了机会。同时,日产也试图忘掉该公司第一款全尺寸皮卡,也就是采用双拖斗造型的第二代Titan皮卡的失利。汽车业老将约翰o克拉福西克向《汽车新闻》透露了这个行业的最大秘密:在5万美元以上的市场区间,平价品牌的皮卡和SUV的销量要超过德系豪华品牌。


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