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坪山新區自2009年成立以來，迷你倉最平堅持以科學發展觀統攬全局，緊緊抓住特區一體化的歷史機遇，圍繞新區建設「現代產業園、低碳生態城」戰略發展目標，立足新區現有產業基礎，大力實施園區集聚戰略。根據新區初步形成的生物醫藥、新能源、電子信息、先進裝備製造和文化創意等五大現代化產業體系和格局。文梁彥啟動「園區帶動」戰略發展新興產業坪山新區以打造新的「區域發展極」和「城市副中心」為目標，堅創新驅動、質量引領的新型城市化道路，建設現代化國際化新城、新興產業名城、和諧幸福新城、文化創意新城和山水田園新城等「五大新城」，大力發展生物、新能源、電子信息、先進裝備製造和文化創意產業。通過啟動「園區帶動」戰略，逐步規劃建生物醫藥、新能源、電子信息和先進裝備製造「四大產業園區」及中小企業總部、留學生創業、科技成果轉化和文化創意「四大產業基地」，實現園區產業發展規模化、資源利用效能化、產業配套系列化發展目標，努力建成具有一定國際知名度，在國內處於領先地位的現代化產業園區目前新區剩餘可建設用地30餘平方公里，是深圳市可開發土地面積最大的區域之一，發展潛力巨大，可以為深圳未來的產業發展特別是高科技產業發展提供戰略支撐。新區主導產業的產業鏈較為完善，初步形成了以比亞迪、新宙邦、沃特瑪等企業為代表的新能源產業；以高先電子、昱科環球、村田科技等企業為代表的電子信息產業；以賽諾菲-巴斯德、萬樂藥業、和順本草等企業為代表的生物醫藥產業；以中集、震雄、格蘭達等企業為代表的先進裝備製造產業和以華誼兄弟文化城、卡曼國際旅遊小鎮、坪環雕塑園等為代表的文化創意產業等五大產業；未來10年，新區的新能源汽車產業、生物醫藥產業和文化創意產業產值將大幅增長，預計到2015年，新能源汽車產業、生物醫藥產業的產值有望分別突破300億元、200億元，到2020年，新能源汽車產業、生物醫藥產業和文化創意產業的產值將分別達到800億元、1000億元、1000億元。「十二五」期間，坪山新區將抓住機遇，以加快轉變經濟發展方式為主線，以創造「深圳質量」為標準，以深圳經濟特區一體化和珠三角區域一體化為契機，�力提升城市功能和品質，�力提升經濟發展質量，�力深化改革，優化發展環境，全面提升新區民生幸福水平。未來5年，新區將投入1900億元，力爭GDP年均增長30%。�力打造優質營商軟環境引來金鳳凰坪山新區創新創業專項資金扶持政策自2012年頒布實施以來，有效的促進了新區產業發展和科技進步。2012年，新區共撥付創新創業專項資金2000餘萬元用於企業開展科技創新活動，37家企業的74個項目獲得支持。為了更好的幫助企業開展科技創新，2013年新區對《坪山新區創新創業專項資金管理辦法》及《實施細則》進行了修訂，共制定了23個《實施細則》，從企業孵化到項目研發，從高層次人才創業到歸國留學人員創業，從成果轉化到市場拓展，從金融支持到上市融資，從科技服務體系建設到科技支撐體系建設及相關配套資助都對企業進行扶持。重點支持戰略性新興產業和高新技術產業發展。尤其是針對高層次人才、歸國留學人才初次創業得不到有效扶持、扶持政策門檻偏高等問題進行了完善，對於高層次人才初次到坪山創業的，一次性給予50萬元的創業資助，對於歸國留學人才初次到坪山創業的，一次性給予10萬元的創業資助，以解決創業初期，暫未實現產業化，資金困難的問題。此外，新區還發布了《坪山新區促進互聯網和電子商務產業發展的若干措施》以促進企業發展壯大為目標，提升互聯網和電子商務企業自主創新能力。2013迷你倉2017年，新區管委會每年投入不少於2500萬元用於扶持互聯網和電子商務產業發展。同時加大對企業的融資支持力度，通過啟動政府創業投資引導資金，搭建創新型企業與創投機構的對接平台，引導社會資金投入創新型中小企業。高新技術企業發展迅猛產生集聚效應截至目前，新區共有高新技術企業58家（其中，國家級高新技術企業51家），較2012年底增長23.8%。共有經國家、省、市相關部門認定的實驗室、工程中心、技術中心22個，較2012年底增長100%，其中，實驗室5個，工程中心6個，技術中心11個。在建、擬建的實驗室、工程中心、技術中心9個。高新技術產品產值264.44億元，約佔新區工業總產值的63.16%，其中自主知識產權高新技術產品產值205.39億元，佔高新技術產品總產值的77.67%。為不斷促進新區自主創新工作開展，形成產業集聚發展的良好態勢，新區對各類科技創新載體科學布局、合理規劃，目前已形成創業園區、孵化器、加速器、專業產業園區各有側重，共同發展的良好格局。創業園區和孵化器依託新區留學生創新產業園、生物企業孵化器、海科興留學生創業基地，以科技型創業企業為服務對象，通過各種孵化服務，降低創業風險和創業成本，提高企業的成活率和成長性；加速器依託深圳國家生物產業基地生物醫藥企業加速器、科技成果轉化基地，以高速成長企業為主要服務對象，通過體制機制創新、產業組織創新和服務模式創新，滿足高速成長企業對於發展空間、商業模式等各方面需求，造就行業龍頭企業和領軍人物；專業產業園區依託深圳國家生物產業基地、新能源汽車產業基地、動力電池材料產業基地、深圳市大工業區、廣東深圳出口加工區等特定產業領域的企業集群為服務對象，依託產業園區的平台作用，通過專業化、市場化的服務，促進新產品的應用推廣、市場開拓、標準化及規範化管理，完善產業鏈條，提升企業的相互協調能力，促進市場開發和地區技術進步，逐步形成區域性的專業產業基地。「級政一府三級管理」的模式高效為企業服務堅持以「流程再造」為核心，致力於打造深圳市工作流程最短、效率最高、人員最精簡的服務型政府。新區實行「級政一府三級管理」的模式，下轄「1辦8局3中心1大隊」，最大限度的縮短了管理鏈條，各部門分工明確，降低了行政管理成本。減少審批事項，簡化審批環節，�力打造一個「鏈條最短、效率最高、人員最簡」的服務型政府。在新區範圍內推進「機關運轉機制優化計劃」，�力提升機關效能，建一流隊伍、育一流作風、創一流服務。加大對企業的服務力度，完善領導掛點服務制度，加快建立新區與企業聯繫的信息化平台，為新區企業營造良好環境。對於入駐園區的企業，園區服務機構提供以下服務：協助辦理工商執照、稅務登記、銀行開戶、高新技術企業和軟件企業資格認定；提供信息、商務、物業和生活服務；提供各種中介代理和諮詢服務，包括審計、財務、法律、計量檢測、體系認證、技術諮詢、技術服務等；定期組織企業參加各種人才洽談會、產品展示會、展覽會；免費舉辦各種培訓班和專題講座，解答有關政策問題，對企業經營管理中遇到的困難進行解答。2011年8月9日，坪山新區行政服務大廳正式掛牌運行，大廳面積4080平方米，分上下兩層，設70個辦事窗口；進駐單位16個，149名工作人員，可為群眾和企業提供424項審批和服務。截至2013年8月底，大廳共受理業務268505件，辦結263259件，辦結率98%；接待辦事群眾227589人次，解答諮詢14607人次，群眾滿意率99.7%，成為新區對外服務的一塊「金字招牌」。儲存

Source: Valley Morning Star, Harlingen, TexasNov.self storage 17--Every dollar counts for Keshia Herrera.The 26-year-old Harlingen resident, a single mother, is one of more than 370,000 Rio Grande Valley residents who are part of the Supplemental Nutrition Assistance Program, or SNAP.Starting this month she will see a decrease in her benefits, as will everyone else who receives what were once called food stamps. An across-the-board reduction in SNAP benefits took effect Nov. 1. Now, Herrera says, she will have to make adjustments in how she feeds her two sons, Noah, 3, and Jonah, 2."Now I have to stretch out my money so it will last till I get paid. I buy what I can afford," she said.For a typical family of three the cut is $29 a month. But Herrera says her benefit reduction will be much more. "I'm just trying to make it last. Now I buy a lot of canned food, you know, the food items that last longer," she said.Social service organizations say the cuts will have a ripple effect and they expect to see more families in need.Some say the decrease could add up to as much as almost a week's worth of food for some people. That will mean more people needing help from food banks and more people seeking meals at shelters, the organizations say.Grocery stores expect less business, which could force them to cut the number of hours their employees work.Benefits were reduced because a 2009 stimulus package passed by Congress to help Americans cope with the national recession has come to an end. Congress that year temporarily increased SNAP benefits by 13.6 percent as part of the American Recovery and Reinvestment Act. But October 2013 was the final month of the stimulus, as far as food stamps are concerned.The cutback will leave more than 4 million Texans to make abrupt changes in their shopping habits when they receive their new balances this month, social service organizations say.How much each family will receive depends on a number of variables, including income, household size and expenses. So it is hard to say exactly how much benefits will change, the U.S. Department of Agriculture's Food and Nutrition Service says. But if you live in a household of four and nothing else changes, your benefit will go down by $36 a month.A family of three will see a $29 cut. Smaller households don't escape the reduction, either, as two�erson households can expect a decrease of $20 while individual SNAP beneficiaries will have their benefits cut by $11.SHELTERS AND FOOD BANKSLoaves and Fishes of the Rio Grande Valley, based in Harlingen, says it is already seeing a direct impact from the cuts. So far this month, the number of breakfasts it is serving is up by about a third and the number of afternoon meals is up by about 10 or 15 percent, said Pastor Bill Reagan, executive director of the multi-service organization that serves meals to the needy, provides a shelter for the homeless and other services."That's just starting a couple days after the start of the month. So toward the end of the month, when benefits start running out, that's where it's really going to make for a big pinch," Reagan said.He attributes the increase in meals served to the cuts in SNAP benefits."The number of meals we've been serving had actually gone down a little bit this year, 2 or 3 percent compared to last year. And now all of a sudden to see such an uptick so quickly at the same time that the SNAP cuts happened, it's just got to be related," he said.Food stamps, Reagan said, are meant for people who live at the poverty level, about $11,000 for a single person, who will be losing $11 per month in benefits."You know $11 for one person per month doesn't sound like too much. But you're talking about people who are already at or below the poverty level," he said. "For somebody that much on the edge, it's really quite a lot."One way of looking at the cuts is in terms of the number of meals lost, says Reagan and others.Reagan says the cuts can translate into almost a week's worth of meals per month for one person, if you figure, as some in the government do, that one meal on food stamps costs about $1.50.For a family of four, losing $36 monthly, the cuts mean 72 meals less per month, assuming a cost of $2 per meal, said Omar Rodriguez, manager of communications and advocacy for the Food Bank of the Rio Grande Valley."It is significant when you put it into terms of meals," Rodriguez said.Over the course of one year, the number of meals lost adds up. Here are estimates for losses in terms of dollars and number of meals for fiscal year 2014:- Hidalgo County -- $28 million, almost 14 million meals- Cameron County -- $13 million, 6.5 million meals- Willacy County -- $757,000, just under 400,000 meals.Rodriguez said these numbers were produced by the Texas Food Bank Network, which aggregated statistics from the Texas Health and Human Services Commission."So those recipients may skip those meals because they can't 迷利倉urchase them, or they will seek help from charities like the Food Bank. And when that happens, we're probably going to see a strain on the amount of food that we can provide," Rodriguez said."What's going to happen is we may have to give out less food; you're going to have people receiving less food, even from us, which we do not want to do. We want to give out enough food to make sure that people have access to the nutrition they need."The common perception is that, oh, charities can handle it. Well, charities cannot handle it," he said of cuts.The Food Bank of the RGV, based in Pharr, serves Hidalgo, Cameron and Willacy counties, providing food to 230 agencies in the three-county area, including the Salvation Army, Boys and Girls Clubs, various churches and food pantries.Jim Coffman, director of the Harlingen Food Pantry, expressed how the decrease will affect the food pantry. "I would assume it's going to increase our food distribution, our cost for the food we get, client numbers and the number of volunteers that work here," he said."The people are hungry, there's no doubt about that; America's hungry," he said.The food pantry will do its best to feed the people, he said.SUPERMARKETSGrocery stores also expect to feel the impact, which could have a ripple effect on people who work for the stores.An official with A&V Lopez Supermarkets says that less business from food stamps might mean that he would have to cut the number of hours his employees work.Lopez operates one store in San Benito, one in Los Fresnos and four in Brownsville."Most of our supermarkets are in low income areas, so they are going to get hurt," A&V Lopez general manager Eliseo Castro said."Typically, at the end of the month when most of the people have finished their food stamps, their business pretty much dies out. So all this means is that it's just going to die out a lot quicker, a lot earlier in the month."Lone Star cards, the cards used in Texas for SNAP benefits, account for as much as 30 to 40 percent of business at his stores "in poorer neighborhoods," he said.But the cutbacks will affect all grocery stores, he said."You have less food stamps out there, you have less money to spend, less business for everybody," he said."I'll have to cut back on expenses and payroll is always the biggest expense. We're just going to have to wind up cutting back on employee hours, which means that we'll have more people making less money, again."He's not sure yet how much he will have to cut back."You know, if 30, 40 percent of my business is Lone Star and I lose 10 percent of it, I'm going to have to decrease my hours by that much, probably," he said.At the same time, his customers will be making their own adjustments."You cut their Lone Star, they're going to have to cut back on what they spend or be a little more careful as to what they spend. I don't know how they're all going to adjust to it. But everybody will have to make some kind of an adjustment," he said.HERRERA'S STORYHerrera, who dropped out of high school at age 17, entered the SNAP program in 2009 when she received $500 a month for her and her two sons. "I needed help because their father wasn't paying child support. I needed to support my kids," she said.She currently works at Loaves and Fishes part-time where she splits her time between secretarial work and kitchen duties."Everyone here has such a great attitude, I love working here," she said."I work all the time now and I don't get a lot of time for myself, but that's OK," she said.She says being part of the SNAP program has helped her in ways that she probably wouldn't have without the program.Through the program she was able to apply for Temporary Assistance for Needy Families. TANF is a federal program that helps families achieve self-sufficiency.The program provided daycare for her sons so she could work with the Texas Workforce Commission to find a job."My caseworker really guided me and helped me a lot," she said.Herrera doesn't plan to be on SNAP benefits for a long time, just for the time being while she gets her head above water."I'm not ashamed of my Lone Star card. My kids are healthy, I cook homemade meals for them and they are happy," she said.As for the criticism, she hasn't received any. "People shouldn't focus on the negative. Focus on the positive in these programs and think before you judge others," she said.Keeping with her plan in moving forward with her life and her boys she plans on going back to school, getting her GED and achieving her goal."Some day I would love to have a better job. Eventually when my boys are older I will go back and get my GED," she said.She adds, "It helps to have goals. Also, being positive and praying help as well."ksommer@valleystar.comCopyright: ___ (c)2013 Valley Morning Star (Harlingen, Texas) Visit Valley Morning Star (Harlingen, Texas) at .valleymorningstar.com Distributed by MCT Information Services迷你倉

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Destruction of archives is one more dirty government secretThe Archives Action Group, which is seeking to redress Hong Kong’s hopelessly inadequate arrangements for safeguarding public records, has taken its case to the Ombudsman.迷你倉 In its submission, it notes that many countries have laws governing the management of their records. Hong Kong gets by with a system of administrative guidance. But over the years, this system has demonstrated “inherent system weakness” in three broad areas covering mandate and governance, structure and operations, and standards and professionalism.The group says that under the present arrangements, “the Government Records Office lacks an effective mandate in that it can neither ensure that government bureaus and departments create, maintain and dispose of records properly, nor does it have the power to audit and rectify poor recordkeeping practice”. It goes on to say that the lack of adequate and reliable government records has led to numerous incidents of loss and damage as well as impeding investigations into negligence, misfeasance and corruption of public officers. “For example, an Audit Review in 2004 revealed that in the Discovery Bay development project an estimated $160 million for making changes in land use should have been paid by the developer to the government but no records were found to allow a meaningful investigation.”The group says that “the tragic Lamma ferry crash in 2012, which killed 39 people, also illustrated the haphazard management of records in the Marine Department”. It adds that over the years the office has been “de-professionalised” in that few people are sufficiently qualified to carry out the task. As a result, it is incapable of implementing a comprehensive, efficient and effective programme for managing government archives and records in a professionally competent, credible and sustainable manner.Lai See would add that Hong Kong’s standards of public record keeping are scandalous for a jurisdiction that prides itself on its standards of governance. Public records provide a check on officials, and are a record of how the government conducted itself both for the publiself storage and historians. We know that records are being destroyed at a massive rate. The suspicion is that the government doesn’t want people to know how and under what circumstances it is making decisions. It is just one more of our government’s dirty secrets. It is time this changed, but we are not holding our breath.Horses for coursesThere’s an unusual announcement on the stock exchange website headed “Connected transaction in relation to disposal of a horse”. Essentially, Sun International Resources is selling a 30 per cent stake in a horse to its chairman for HK$4.6 million and 10 per cent to another director for HK$1.5 million. The horse in question is a four-year-old thoroughbred mare that was bought by the company for HK$12.7 million in October, and a month later 40 per cent was sold to investors for HK$6.2 million. The company is retaining 20 per cent. This is in line with the company’s stated intention of “looking to further explore the development of equine trade in order to enhance shareholders’ value”.The firm’s other interests include online games, natural resource development and leisure resorts. Equine trading isn’t broken out separately in the accounts, though probably comes under “others”, which lost HK$13.3 million in the year to March 2013. Indeed, all segments of the firm’s operations were loss-making, resulting in an annual loss of HK$535 million. Interestingly, despite its already mixed bag of assets, Sun International says it “is always seeking opportunities to diversify the group’s revenue streams”.Awareness raisingWe’ve received an account of how Bank of New York Mellon employees, in partnership with Canstruction, recently built a giant bowl of rice and chopsticks out of canned food at the firm’s Hong Kong office. The idea of the sculpture is to raise awareness of issues related to food waste and hunger. The sculpture comprises 2,102 cans of non-perishable food and 500 packs of noodles, which, once the display has been deconstructed, will be donated to Hong Kong-based charity Food Angel. Without wishing to be unkind, the impression from the photograph is that at least one aim is to draw attention to BNY Mellon.迷利倉

小英正在計畫年底耶誕假期出遊，存倉想要玩得更精明划算的她，以手上的信用卡紅利點數，兌換航空公司免費哩程，就可以有台港來回機票，剛好符合她的預算與規劃，比參加旅行社的各項旅遊專案更自由也更省錢。 別以為小英是因為有申辦航空公司聯名信用卡，所以才可以換哩程優惠，其實小英拿的不過是一般銀行發行的白金卡，剛好最近百貨公司周年慶旺季，小英消費金額大增，紅利點數已經累積了不少沒有使用，所以趁著年底出遊機會，乾脆拿紅利點數換航空哩程免費機票，讓她的刷卡消費效益得到最好的發揮。 其實，想要以信用卡紅利積點兌換航空公司免費哩數，不一定只能刷航空公司聯名卡才可以，愈來愈多銀行提供一般白金卡或頂級卡，可以紅利點數兌換航空哩數，回饋率可達1%以上甚至最高可達2%，特定卡片還有超過3%的。此外，部分銀行的信用卡，還可同時提供兩大國籍航空公司華航、長榮航的哩程數兌換，持卡人可自行選擇，要搭哪家航空公司飛機出國，也不必像航空聯名卡僅局限特定航空公司兌換。 雖然一般信用卡以紅利點數換航空哩程的回饋率，可能不及航空聯名卡，但是因為一般卡片不限制紅利點數使用範圍，且通常免年費門檻較低，對消費者來說也更為方便多元。 通常航空聯名卡的兌換哩數回饋率較高，但相對的紅利點數也會僅限於兌換哩數或儲存其他的航空公司周邊商品。例如花旗銀行發行的哩遇卡，紅利點數除兌換國泰航空哩數，也可換亞洲萬里通哩數，兌換亞洲萬里通的禮品，澳盛飛行卡可兌換華航、長榮、亞洲萬里通、星航獎勵計畫等。這些特定卡片兌換航空哩數的回饋率有可能高到2%到3%以上，但點數運用範圍也以航空相關特定用途為主。 但是一般信用卡其實也有銀行與航空公司合作，推出航空哩數兌換。兆豐銀行就推出該行白金卡、頂級卡紅利點數可兌換長榮航空哩數，回饋率分別高達1.67%、2%，高於多數銀行的非航空特定卡片，回饋率多落在0.55%至1%區間水準；另外，兆豐銀頂級卡兌換華航哩數，回饋率也有1%。 其他特定卡片中，兌換華航哩數回饋率最高的，則是美國運通卡（American Express）有3.33%。其他兌換華航哩數回饋率較高的，還有國泰世華銀行、玉山與永豐銀行等，回饋率分別有1.43%、1.33%、1.11%的水準。若是頂級卡，則以國泰世華銀世界卡回饋率1.67%最高，其次兆豐銀無限卡與世界卡的回饋率均為1%。 不過，美國運通卡為簽帳卡，與一般信用卡不同，刷美國運通卡，每刷30元消費可換華航一哩，但是美國運通卡與其他銀行白金卡相比，前者一定會收取年費，後者則多半不收年費，或者是有門檻很低的折抵年費機制。 迷你倉

現今互聯網無遠弗屆，self storage有資訊科技界人士指出，本港欠缺安全法或截取訊息法例保障，個人訊息被攔截風險高，即使立法規管，若伺服器在境外，執法困難，成效有限。據悉，個人資料私隱專員公署已制訂指引，要求流動應用程式Whatsapp等大規模服務供應商，提升安全水平。資訊科技界譚偉豪表示，在香港，資訊科技網絡商自由度大，沒有安全法或截取法例規管，過去未見有檢控個案，用戶訊息發送到公眾平台，風險大。他認為香港值得研究是否立法規管，不過，若伺服器設於境外而非香港，成效有限。公署迷利倉違法者只是警告譚偉豪指，任何人士過度收集資料，牴觸《個人資料（私隱（條例》，公署只是警告，當局應修訂條例，加強阻嚇惡意收集資訊。個人資料私隱專員公署轄下技術顧問委員會成員譚偉豪說，針對近年流動應用程式WhatsApps、WeChat等廣泛應用，潛在的危險，公署已制定指引，要求WhatsApps、WeChat等大規模服務供應商，提升安全水平，保障個人資料私隱，並加強教育，研發流動應用程式的公司須有更高的守則，委員會已就指引向公署提交意見，公署將會有公布。新報記者迷你倉

self storage 想擺脫冬日的寒冷刺骨，年末來擁抱泰國的“熱”力無邊吧。阿瑪瑞旗下曼穀阿瑪瑞廊曼機場酒店、甲米阿瑪瑞富尚度假酒店和普吉阿瑪瑞珊瑚灣度假酒店齊齊推出“年末歡樂季住宿計劃”為聖誕和新年預熱，竭力打造暖意與歡樂並存的“泰”式假期新玩法。這款優惠計劃非常契合各家酒店的優越地理位置和特色設施，為此，阿瑪瑞精心設計了兩條異彩紛呈的主題度假線路，旨在帶領住客和親朋好友體驗一個不一樣的暹邏國。賓客既可以選擇其中一個住宿計劃慢慢品味，亦可以將幾個住宿計劃疊加享受充實的假期。迷你倉

聯儲局主席的候選人耶倫在周四表示，迷你倉最平不排除會降低銀行在儲局存款的儲備利率，以刺激經進一步復甦。耶倫表示，減低向銀行支付的儲備利率，是未來將會考慮的建議之一，肯定是一個可能性。瑞士信貸紐約利率策略部主管Carl Lantz表示，儲局調低這方面的利率0.25厘，將可以令市場更清楚知道，該局有意繼續維持超量化寬鬆的措施不變，即使屆時可能會開始減少購買債券。而這個措施在明年一月便會落實，將可以限制迷你倉券孳息因為退市而上升的幅度。耶倫重申，聯儲局公開市場委員會曾在多次考慮降低這個利率，但最後還是決定按兵不動，因為恐怕這樣做會令利率推至零水平或以下而損害貨幣市場，亦會令交易大減。另外，Toronoto-Dominion銀行的分析員表示，聯儲局在九月份推出用作管理貨幣利率的新工具，將可以援解市場部分的憂慮，該措施容許銀行、證券代理和貨幣市場基金以固定的匯率透過債入國庫券而向聯儲局提供隔夜錢。儲存

Source: The Seattle TimesNov.迷你倉 15--James Bishop, the former chairman and CEO of Summit Bank, was sentenced Friday to three years in prison and two years of supervised release for filing false call reports to the Federal Deposit Insurance Corp., which insures bank deposits.Bishop, 70, of Mount Vernon, admitted in a guilty plea that he and his son, the bank's president, deceived federal regulamini storageors about the financial condition of the Skagit County bank, which failed in May 2011.Bishop has agreed to pay $300,000 to the FDIC.His son, James Bishop II, is scheduled to be sentenced for his role in the scheme on Dec. 6, the U.S. Attorney's Office said.Copyright: ___ (c)2013 The Seattle Times Visit The Seattle Times at .seattletimes.com Distributed by MCT Information Services迷你倉

文件倉 　　英國國家罪案調查局（NCA）前日發出題為「緊急警報」的通告，指執法部門已經知道「有大規模的電郵騙案正在進行中」，呼籲公眾人士和電腦用家要當心。　　據指，騙徒會透過虛假的銀行電郵，引誘電腦用家下載一套名叫「CryptoLocker」的惡毒軟件。一旦用戶中招，他們的電腦硬盤所有資料都會被加密，整部電腦有如被「鎖死」，騙徒繼而會敲詐用戶，要求以網幣Bitcoin支付「贖金」。當局警告或快將有數以千萬計人士，成為騙徒目標。綜合報道存倉

□陳洋O2O最基本的解釋是通過線上引導流量去線下體驗和消費。與很多互聯網模式一樣，迷你倉最平O2O來源於美國，國內創業者最典型的做法是看美國出現了O2O項目，然後迅速地把它們複制過來。當然，並不是美國出現的所有O2O項目都適合在中國發展。在線餐廳預訂無論是在美國還是中國，在線預定餐廳都是一個真實的需求。美國餐廳預定企業OpenTable成立于1998年，2009年5月在納斯達克上市，2012年OpenTable營收規模超過1.6億美元。而國內餐廳預定企業裡面，成立于2003年的飯統網和成立于2004年的訂餐小秘書最具有代表性，但目前發展狀況都不太理想，無論是企業營收和網站流量增長都陷入停滯狀態，開始慢慢淡出公�視野。從長遠看，中國出現獨立上市餐廳預定企業的機會渺茫。中國餐廳數量多，用戶並沒有很強的預定習慣；即便需要預定，中國用戶更傾向于通過電話而不是網絡進行。OpenTable雖然是在線預定網站，但其核心競爭力在於其有一套較為先進的預定系統，而中國的大多數餐廳對收費的預定軟件的接受程度較低。在線短租美國在線短租網站Airbnb自2008年8月成立以來發展迅速，截至2012年10月Airbnb共獲得三輪共3億多美元融資，估值在20至30億美元之間。中國國內短租元年是2011年，這一年愛日租、螞蟻短租、游天下、途家等短租網站紛紛上線。從分類上看，目前愛日租、螞蟻短租為C2C模式，和Airbnb模式相似；而途家網屬於B2C模式迷你倉針對旅遊度假做房屋托管。雖然各家短租網站都融到資金，但發展並不是順利。2013年5月，愛日租首先爆出大幅裁員80%的消息，從目前來看，至少C2C模式的短租在中國的發展前景受到質疑。國內誠信體系尚不完善，陌生人之間的信任度較低，房主很難放心把自己的房子交給短租用戶。為增加房源，C2C的短租網站不得已需要通過中介尋找房源，但這又會降低用戶的體驗。目前短租形式在法律上屬於灰色地帶，有較大的政策風險；而像途家網的B2C模式本身與酒店接近，要想在激烈的市場競爭中取勝並不容易。位置購物美國位置購物應用shopkick成立于2009年6月，2010年8月上線了第一個移動應用，該應用基於當前位置，核心是真實簽到，其通過自主開發了硬件識別系統ShopkickSignal能夠實現精准的室內定位，消費者走進商店真實簽到就能獲得積分，可以在線下商戶直接兌換商品或優惠。Shopkick在美國受到了消費者和商戶的歡迎，已經融到兩輪共2000萬美元的投資。目前，國內和Shopkick類似的應用是逛店寶，但並未像美國同行那樣快速發展起來。Shopkick模式在中國較難複制。首先，Shopkick的技術開發周期長、研發成本高，需要較長的時間和投入；其次，設備安裝成本和維護費用高，為了實現真實簽到，Shopkick需要在每個合作商家的商舖內安裝設備；最後，Shopkick的模式需要成熟的市場支持，並獲取商家和消費者的雙重認可，國內可推廣的城市有限。儲存

一年一度的“雙11”已經離我們漸行漸遠，迷你倉沒有“脫光”的人繼續孤獨地唱著“單身情歌”。單身到底意味著什麼？自由？孤單？精彩？隨時隨地加班？說走就走的旅行？快餐店？健身房？單身公寓？每個人都有不同的答案。調查分析當下單身人群的觀念，正在迅速發生轉變單身浪潮席卷之處，到底有多少年輕人走向自覺單身，真正享受單身？他們的婚戀觀念又正在發生哪些變化？網易同城約會、網易時尚聯合赫斯特中國旗下《心理月刊》雜誌、香港浸會大學、艾瑞咨詢集團，發起《2013年約會白皮書之單身生活質量調查》，為期一個月，回收問卷131248份，有效樣本60039份，通過對樣本進行挖掘分析，刻畫出在職業、環境、家人種種壓力或動力之下，中國單身群體的生活狀態、消費特徵，以及他們對單身狀態的真實態度，對約會的實際需求。隨著時代的變遷，男女間的角色期望，兩性之權力結構都受到巨大的衝擊。近三十年來兩性關係的變化，很可能大於過去三百年的總和。同性戀、試婚、同居、不婚、離婚率高企，種種社會現象令婚姻曾經的神聖性備受挑戰。當下單身人群的觀念，正在迅速發生轉變。結婚已經從“男大當婚，女大當嫁”這種天經地義般的鐵論，變成了一個“可以考慮的選擇”。在這種情況下，單身男女對待感情和婚姻的態度和行為都有了明顯差別。網易同城約會調查表明，11.65%的單身族很喜歡目前的生活狀態，暫時不想結婚。但是，單身女性選擇這一項的比例明顯高出很多，達到14.41%，遠高于單身男性的10 .49%。婚姻曾經是女性的唯一體面出路，所以張愛玲說她們是“女結婚員”。如今，女性已經在職場找到認同，而從C osm opolitan雜誌主編海倫·布朗的《性和單身女孩》到大紅美劇《慾望都市》，都在教導女性如何享受單身生活，單身女郎生活精彩紛呈，單身壓力選擇“空虛寂寞”的比男性少。房和車是約會利器，未婚女性置業積極性直追男性雖然單身人士都嚮往真愛，可是，不可避免的，“有房有車”成功人士，總是更容易得到異性的青睞。約會次數越多的人，擁有房車比例越高。最近三個月，約會次數在4-9次的26.35%有車、50 .59%有房，約會次數在10次以上的30 .68%有車、52.22%有房，遠高于總樣本數有車比例18.03%，有房比例42.97%。老人們總說“未婚女子買房會嫁不出去”，現在，未婚女性置業積極性直追男性，四個單身女性中，已經有一個買了房子，這算是新《婚姻法》帶來的新現象吧。房子成為比愛情更穩定的依靠，未婚女性買房成為推動房價上漲的又一動力。房地產敏銳地捕捉到這一消費需求，單身公寓、小套間持續熱銷。女性更嚮往到廣闊的世界去見識世面，88.51%的女性在過去一年曾經出去旅行，相比之下，男性比例是84 .49%。而捨得花5000元以上出去旅遊的單身人士，女性比例也更高，達到24.15%，男性只有20 .26%。廣東人“脫光”的方式更含蓄，但也最積極人口普查顯示，出生嬰兒性別比(每100名女嬰相對於男嬰的數目)高達120，70、80、90後單身人口中男性比女性共計多出2315萬，可是在各個相親活動、各類電視節目上，我們總看到女性多、男性少的狀況，“剩女”問題才引發如此多的關注。同城約會調查表明：為追求幸福，女性更勇敢更積極更外向，在電視相親節目、報紙、商業機構舉辦的相親活動等舞台亮相比例高。而男性比較喜歡高科技的方式，擅長利用手機平台交友，下載3個以上手機應用比例更高。北上廣三地相比，誰更積極“脫光”呢？北京媒體發達，北京人上電視、上報紙徵婚的比例都是最高的。而一向精明的上海人，更樂於參加商業機構舉辦的相親活動，也更樂於在交友網站上消費。廣東人“脫光”的方式更含蓄，但也最積極，更能接受親戚朋友介紹相親這種方式，最擅長使用婚戀網站，使用過三個以上手機的手機交友應用比例最高，而上電視相親節目和上報紙徵婚的比例最低，沒有任何“脫光”自存倉動的比例最低。與朋友聚會次數基本上跟談戀愛次數成正比單身族勤奮工作，休閒時間也安排得精彩紛呈。在大城市，都市文化也側重于迎合單身人士的需求，咖啡館、健身會所、酒吧都是消遣的好去處。他們也有不同的娛樂愛好，展覽、演唱會、電影這些都是很受歡迎的活動，有7.34%的人表示他們每月最大的開銷會用于娛樂。單身族也熱衷于社交。類似朋友聚餐這樣的活動，是每月開銷最大支出的人占了17.55%。調查表明，與朋友聚會次數基本上跟談戀愛次數成正比。平均每月跟朋友聚會為0次的人，談過0次戀愛的高達30.35%，聚會次數在10次以上的人，談過0次戀愛的只有7.04%，談過6次戀愛的比例高達18.2%。聚會次數越多，需要靠親戚朋友介紹異性的就越少，能在聚會、健身、旅行等場合認識異性比例越高。兩性認識的方式也更多元化了。在最近三個月中與異性有10次以上約會的單身人士，他們通過酒吧、夜店認識的幾率就飆升，達到11.9%，僅有1-3次約會的單身人士，只有3.25%會在酒吧夜店認識異性。約會次數達10次以上的單身人士也更擅長與異性搭訕，32.09%會在聚會、健身、旅行等場合認識異性。而約會次數1-3次的這一比例只有22.64%。相親模式天河公園的現實版《非誠勿擾》在廣州市天河公園，每個周末都會定期舉辦家長相親會，儼然是一個現實版“非誠勿擾”，不僅自發形成了80後、90後專區，還有海外專場、“國企男”、“金融女”專場。近日雖然連降大雨，但來相親的家長硬是把天河公園附近的BR T、公交站擠成了“相親專線”。游樂場湖對面的“情人坡”上擠滿了“銀發相親族”，他們都是替自己的兒子、女兒來相親的。他們將兒女的年齡、身高、學歷和房產、收入以及聯繫方式填寫到一張廣告表上，夾在繩子上懸掛在樹木間。對於父母親“代理相親”的這種行為，單身人士表示“不反對，不支持，不會去”。《奶奶駕到》“奶奶”在廣州話中是“婆婆”的意思，《奶奶駕到》是南方衛視新推出的一檔大型代際相親真人秀節目，每期節目都有五位個性迥異的單身女嘉賓和兩對母子，她們將在一棟愛情公寓里共同生活24小時。節目設計了“母子密室”、“壓力拷問”、“婆媳課堂”、“派對社交”等多種考驗。“奶奶”會使出渾身解數，設置各種情景考驗“准媳婦”，例如“公公70大壽，你卻要加班，如何在家庭成員的圍攻下脫困”、“小叔買房缺18萬，婆婆讓你們資助，但你們存款只有20萬，如何抉擇”。在360度無死角的拍攝下，這樣的“集體同居”中“准婆婆”和“准兒媳”會發生怎樣的精彩故事呢？八分鐘約會八分鐘約會的前身是“快速約會”(SpeedDating)，其特點是有趣、高效、安全。現代人注重效率，傳統方式會面動輒公園、電影院，從準備到結束往往需要半天、一天甚至好幾天，效率極低。而八分鐘交友可以幫助你一個晚上或者一個下午認識8個以上的人甚至更多，一次約會可以和8位陌生的異性暢談各種有趣的話題，這當中充滿了神秘。活動規則是不能詢問對方的真實姓名，不能問對方電話號碼，交友結束後，你可將想結交的朋友的編號記下來，再通過活動組織人去聯繫對方。兩天後通過接收電子郵件，你會發現自己受到了一位或兩位(甚至三位或更多)對象的青睞。你從無聊等待的日子中走出來，豐富多彩的約會生活在面前悄然打開。六人晚餐在社交活動中，人太多不易傾聽，人太少又恐冷場。經心理學家和社會學家研究表明，6人的組合既能夠使人們擺脫兩人就餐的尷尬、緊張局面，又能夠達到有效的互相溝通效果。“六人晚餐”是按年齡、層次、職業、愛好分6人制組合(3男3女)，6個陌生人坐在一起、喝茶聊天。聚會結束後大家可以互留地址保持聯絡，也可以完全不留下任何線索，始終保持一種距離的美感。這種未知使許多人感到新鮮和刺激，也符合現代人的獵奇心態。可以說它是將傳統的“相親”與現代交友融合得淋漓盡致的產物。採寫：南都記者 許琨 實習生 張玉榮迷你倉