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Due to the requirements of professionalism and safety, climbing supplies are mostly expensive. Many materials used in the production are not commonly used, many people are ignorant about the maintenance of maintaining climbing gear. There is a wrong idea that it is easy to damage the mountaineering products if wash it frequently, so some people from buy to scrap did not wash it ever, but this is a great mistake. For such devices, the accumulation of dirt is the source of accelerated aging. Therefore, cleaning after each use is the correct maintenance method.

Part 1:  Mountaineering Equipment List Map and compass needle

It is extremely easy for people to get lost in the field, especially when the weather conditions are poor, our sense of direction will be worse. Once lost, it is very dangerous, so the map and the compass needle are indispensable.

Headlamp

Camping is sometimes delayed by bad weather, path collapse, injury or disorientation. It's hard to keep going without the lighting. Headlamps do not need to be held. They can free your hands to do other things, it is very necessary for outdoor activities.

1.The best use of waterproof products, not only in any weather can be used, even if stored in a moist place for a long time, the interface and battery are not easy to corrode

2.Having a safety switch design is necessary, some headlamp switch design is not appropriate, when it is placed in the backpack, often due to items shake collision, the switch is switched on suddenly, then your battery is wasted

First aid kit

The outdoor environment is complex, emergency kits in the event of danger can be emergency treatment, life security is an important support. The contents of the first aid kit are mainly trauma, scald, insect bite, fever reduction and antipyretic, cramp prevention and treatment, and personal special needs medicine.

The knife

Knives are necessary for food, fire, first aid and even rock climbing, so everyone should carry a knife with them. A knife is a very useful basic tool and we can often use it to make other tools or solve problems.

The fire tools

It's not realistic to carry a stove for outdoor activities. Tinder is necessary. Lighters should be taken with a few more and must be waterproof.

A raincoat

Using an umbrella is unrealistic, dangerous and useless in the face of storms in mountaineering. Raincoats are often more practical for outdoor activities

Tent

A tent is a haven for outdoor rest. A good tent is often the most important part of outdoor camping.

There are other important things like water bottles, sunglasses, sunscreens, etc. The mountains are usually dry, and it's important to drink water to save our physical strengths

Part 2:Caring For Your Climbing Gear

Tent

As a small outdoor home, it is very important to keep your climbing equipment clean. Please pay attention to its washing and protecting:

1.Clean the tent with clean water, scrub it with a soft brush or sponge, and use special cleaning agent. Common cleaning agent is easy to damage the fabric of the tent

2.Leave aside in a cool, dry place to air dry after rinsing

3. After air drying, if the connection is not tight, brush with a layer of glue to keep it waterproof

Down jackets and sleeping bags

Down jackets and sleeping bags are important equipment for outdoor sleep and keeping warm. Besides, down feather outdoor products are difficult to handle.

1. Do not machine wash. If you want machine wash, you must use the light rubbing mode of hot washing machine

2.Wash with professional down cleaner

3.Air dry naturally and avoid direct sunlight

Outdoor shoes

As the shoe that contacts the ground most directly, it is very important to its maintenance, especially the outdoor shoe that synthetic material combines waterproof membrane, fine dust enters waterproof membrane may cause the film to fail, the service life of synthetic material also can attenuate because of dirt. In order to extend the life of the shoes, timely care is necessary.

The guide to climbing shoes includes three parts: cleaning, nursing and drying storage:

1.Clean the ramp with clean water first, and then pour the appropriate concentration of cleaning agent into the shoe for lavatory, and then clean the shoe thoroughly with clean water

2. After the shoes are fully air dried, select the nursing agent for application according to the material of the shoes' surface. The leather material needs to be waxed or water-based nursing agent should be selected for nursing. If the use of water based care agent in the shoes when half dry on a better effect

3. Place on a cool and dry place for air drying after good care

Conclusion:

Due to special materials, mountaineering equipment needs to be maintained frequently. Maintain climbing gear well is not only reflected in cleaning, but also in storage. Through this article you can get the proper method for caring your climbing gear.

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2. 包粽子
三、  五月五，唱歌谣
五月五，又谓之浴兰节。《五杂俎》记明代人因为“兰汤不可得，则以午时取五色草拂而浴之”。后来一般是煎蒲、艾等香草洗澡。
中国传统文化中，象征五方五行的五种颜色"青、红、白、黑、黄"被视为吉祥色。在端午这一天清晨，孩子们要在手腕脚腕和脖子上系上五色丝线，以保安康。

4. 划龙舟
端午节小孩佩香囊，传说有避邪驱瘟之意，实际是用于襟头点缀装饰。香囊内有朱砂、雄黄、香药，外包以丝布，清香四溢，再以五色丝线弦扣成索，作各种不同形状，结成一串，形形色色，玲珑可爱。
浓情端午，和润嘉幼。值此端午时节，愿小朋友们收获一场别样的端午时光，感受一场独特的中华传统文化之旅，祝福大朋友、小朋友们，端午安康！
艾叶又飘香，时间近端阳。一年一度，端午又至。五月初五，是中华民族传统节日——端午节。过端午节，是中国人二千多年来的传统习惯。佳节将至，粽叶飘香，龙舟正舞，一起来过一个别样浓情的端午吧！
民谚说：“清明插柳，端午插艾”。在端午节，人们把插艾和菖蒲作为重要内容之一。家家都洒扫庭除，以菖蒲、艾条插于门眉，悬于堂中，用以驱病、防蚊、辟邪。
一、  五月五，忆屈原
粽子，又叫“角黍”、“筒粽”。端午节的饮食习俗中最有代表性的就是包粽子和吃粽子。看，嘉华幼儿园的大班小朋友们一起动起手来体验包粽子的乐趣！一个个粽子包好了，煮熟了，大家一起来品尝。青青粽叶香，浓浓端午情，别是一番节日的风味！
包粽子也是中国端午节的习俗之一。每年五月初，中国百姓家家都要包粽子，并且包的粽子花色品种极其繁多。吃粽子的风俗，千百年来，在中国盛行不衰，而且流传到朝鲜、日本及东南亚诸国。
6. 画额
作为中国四大传统节日之一，端午节的习俗与文化，博大精深，源远流长。端午节都有哪些习俗呢？
划龙舟是端午节的主要习俗。相传起源于古时楚国人因舍不得贤臣屈原投江死去，许多人划船追赶拯救。他们争先恐后，追至洞庭湖时不见踪迹。之后每年五月五日划龙舟以纪念之。
“五月五，是端午，门插艾草香满堂。带香包，吃粽子，龙舟下水喜洋洋。”浓情端午，在一字一句的童谣传唱中，一起来学一学吧！
3. 悬艾叶
四、  五月五，品棕香
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　　按退休后生存24年，投资报酬率5%，每月可以使用：
　　PMT（PV2093778，I5%，N24*12，BEG），：12446元，
　　合计家庭保费支出20100元，占年总收入的比例6.7%，符合保费占总收入5–15%的合理范围，为家庭的发展保驾护航。
　　教育金积累和目标达成测算：
　　2、从家庭支出构成中，属于在一线城市的一般家庭，15.4万年支出，是维持一定生活质量的必要支出，比较合理。
　　5、目标可行性：小孩教育金能够实现，夫妇按时退休，每年需要准备25308元到养老基金账户上。
　　1、希望小孩考上大学本科，接受优质教育，需要早点为其准备好大学的教育金。
　　为了实现该理财目标，理财师根据客户的风险承受能力和资产配置方案，做以下规划：
　　从家庭收支情况表中，可以看出，目前家庭基本能做到量入为出，有所结余，小孩的教育金是相对的刚性支出，生活费用可控，如果需要实现其他目标，可从结余中抽出部分来加大资产投资。
　　2、本理财规划报告是在您提供的资料基础上，基于通常可接受的假设、合理的估计，综合考虑您的资产负债状况、理财目标、现金收支状况而制定的。
　　三、客户理财目标
　　二、摘要
　　4、专业胜任说明：本银行金融理财师陈暹汉先生为您制作此份理财规划报告，其经验背景介绍如下：
　　一、声明
　　客户的所有收入均为工作收入，显示了家庭收入来源严重单一，抗风险能力特别不足，尤其是缺乏金融资产的投资收入，未能善用家庭结余进行理财投资增值。
　　3、每年抽出1万元，购买基金，作为大学教育金。
        
    
        
              
        
        
        
        
        
      
        
    
        
        
    
    
        
          
        
        
        
        
            
    
　　从资料中，客户为一线城市员工，夫妇应该均享受5险1金，小孩享有基本社保，但是保障是不足的，夫妇应从自身的责任出发，在寿险保障方面考虑完整，同时医疗保障更不能缺席。在小孩保障方面，着重考虑少儿重大疾病保险。
　　3、过去的绩效仅供参考，并不代表未来，投资风险由客户承担。
　　7、全家都需要增加各类保险额度，先生累计达180万的保额，太太达160万的保额（含定期重疾险和定期寿险），小孩20万元重疾险。家庭合计年保费支出20100元。
　　1、理财师的职责是准确评估客户的理财需求，并在此基础上为其提供高质量的理财建议和长期的定期检讨服务。如果客户有任何疑问，欢迎随时向理财师进行咨询。
　　2、根据客户情况，建议定期检讨的方式与频率。建议投资方面一季度检讨一次，全方位理财规划一年定期检讨一次，如有特殊变化，客户觉得需要重新制作理财规划报告时，可随时通知理财师，以便做必要调整。
　　9月11日—22日是大赛的复赛环节，进入复赛的200名选手根据组委会要求，在三个理财场景中任选一个，完成理财案例分析。【复赛题目】 根据评审团审核，19位选手在此环节获得高分。理财师大赛复赛高分案例答卷，看看高手如何理财？
　　求得需要实现目标的收益率为7.64%
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进入【新浪财经股吧】讨论
　　7、免责声明：本行理财师在推荐投资产品时，是基于当时客户的流动性、收益性需求及风险承受能力，综合考虑当时的经济环境做合理的配置，本行不作保本或固定收益承诺，客户以了解投资产品的风险由客户自行承担。
[img][/img]
　　客户夫妇为普通工薪员工,知识付费平台加盟，平时应该工作较忙，一般无暇顾及投资市场和掌握金融知识，因此，将资产委托给专业的基金公司来投资管理，从长期来看，基金产品的收益是值得期待的。
　　第一部分  客户资料
　　理财师建议：从每月结余中进行基金定投，短期投资选择债券等稳健性理财产品，长期投资可以选择混合型、股票型、指数型基金，通过长期定投分散投资风险。
　　家庭理财规划的起点，在于对家庭财务现状进行深入分析。根据客户财务报表，具体分析如下：
　　4、由于居民对教育的高度重视，学费增长率长期较高，因此，我们假设教育年增长率5%。
　　客户的小孩刚上小学一年级，初中、高中的教育金可以采取基金定投方式长期积累。大学4年的费用，根据客户的要求，每年抽出1万元专门作为储备本科教育经费。可以使用债券基金和混合、股票性基金组合。
            
        
        
        
    
        
        
        
        
                
    
        
        
        
            
        
        
        
        
        
    
        
        
            
        
        
　　2、市场风险：股票型基金短期内随股市的波动可能造成资本损失。
　　十一、风险告知和定期检讨
　　小孩现在每年的教育支出1.2万元，随着教育费的逐年递增，是一笔庞大而刚性的支出。
　　1、家庭年收入情况分析
　　以年收益12%作为股票型基金及指数型基金的参考收益率，设定学费成长率5%。
　　客户应该尽早储备养老金，按目前的生活水平，建议在退休前筹集一笔相当于现值100万的养老基金，用于退休后和太太的晚年生活，根据假设的通货膨胀率3%，现值100万养老金需求按每年3%的幅度增长，计算出到退休前需要的资金量：
　　（1）本规划报告暂不收取规划费用，但在协助客户执行理财计划时，根据与第三方签订的书面代理合同，本行可以得到代理佣金。
　　3、根据历史平均年增长率，预期股票型基金的长期平均年收益10%左右、债券6%左右、货币基金3%左右。
　　1、估计平均报酬率的依据：根据过去类似投资组合的历史平均报酬率。
　　1、流动性风险：定期理财产品，无法提前变现，面临流动性不足风险。
　　六、家庭风险属性界定
　　文/交行广东分行 陈暹汉
　　1、本理财规划报告是用来帮助您明确财务需求及目标，对理财事物进行更好的决策，达到财务自由、决策自主与生活自在的人生目标。
　　2、在正态分布90%置信水平下，预估最低报酬率为-2%，最高报酬率为18%。
　　1、目前1到6年级的教育支出比较低，直接从收入结余支出；所以在下表的“教育支出”中，没有进行计算。
　　汕头大学毕业，CFP持证人，私人银行顾问，交行总行级明星理财师，从业22年。
　　每年30万年薪，在扣除生活支出、为小孩的学费准备和保费支出后，建议留3-6个月收入作为应急准备金，大概30万/12*3=7.5万，建议3万购买流动性好的“活钱宝F”货币基金，作为应急金。
　　客户计划，每年投入1万元，12年后，大学每年学费50000元，4年合计学费200000元。
　　3、家庭保障现状分析
　　（一）就所建议的投资产品，告知客户可能的风险
　　PV（FV12446，I3%，N25，BEG）：  5944元，
[img][/img]
　　根据“将适当的产品销售给适当的投资者”的核心主旨，理财师对于客户，必须做好KYC，了解客户的风险承受能力、资金可投资期限、客户对产品的了解程度。同时理财师对于产品的属性，也要深入了解，在推荐产品给客户时，做好解析工作。
　　从现在开始，因为是投资期限较长，可以选择波动性较大的股票型和混合型进行配置，按预期收益8.3%计算需要每年投入多少资金：
　　2、小学阶段每月定投2000元，每年投入2.4万元；
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　　十、投资规划
　　FV（PV100，I3%，N25，BEG）：2093778元
　　因为养老规划是长期的，可以配置相对激进的基金组合，通过时间的对冲，规避基金短期波动，获得较高收入，资产配置如下：
　　每月可以使用的资金，按通胀率3%折现：
　　同时有7岁的小孩，应把从现在到小孩长大独立所需要的教育金现值26万，加入到寿险保额中：
　　第二部分  理财规划报告的内容
　　理财师通过以下测算：
　　为了更好提出理财规划，理财师对客户做了风险评估测试，客户为普通员工，工作与金融相关性不是很强，因此客户对金融了解一般，不过客户比较年轻，收入稳定、无负债，经过综合考虑，评定客户属于中风险承受能力和中等风险偏好的投资者。适合客户的长期投资组合是40%固收类债券资产、60%风险投资类股票基金资产。投资报酬率在7%左右比较合适。在客户退休之后，应该进一步调整资产配置，将风险类资产的比例继续降低到更为稳健的水平，以保障客户的晚年生活轻松无忧。
　　（三）定期检讨的安排
　　寿险保额作为对家庭责任的延续，理财师通过遗属需要法：
　　（二）家庭财务报表分析
　　6、应揭露事项：
　　1、全球经济紧缩明显，中国经济增长放缓，未来中国长期平均经济增长率预期6%，国内通货膨胀率3%，学费增长率5%。
　　七、保险规划
　　4、经济环境：未来我国平均经济增长率预估6%，通货膨胀率预估3%。
　　PMT（FV2093778，I8.3%，N25，BEG）：25308元每年投入。
　　根据简单量化分析：年龄与投资股票（风险资产）比例：以100-客户年龄=100-35=65%，同时考虑客户学费是刚性需求，不能冒太大风险，因此适当将风险投资降为60%，固收类投资40%，以平滑总收益处于较稳定状态。
[img][/img]
　　2、综合评定中等风险承受能力和中等风险属性，合理的长期平均年报酬率在7%左右。
　　经过理财师跟客户沟通和建议，解决了客户原来保障不足，理财型收入缺失，教育金、养老金没有提前筹划的弊端，将客户的收入和支出进行更合理的分配。
[img][/img]
　　（一）家庭财务状况
　　1、财务分析：家庭收入来源单一，缺少金融资产投资收入，家庭负担小，保额严重不足，应该立刻增加保单补充家庭保障缺口。
　　八、教育金规划
　　3、信用风险：个别股票或公司债券可能因为公司破产使价格暴跌。
　　2、计划在退休前，通过理财积累到现值100万元养老金。
　　（2）所推荐产品与理财师个人投资，经确认无利益冲突状况。
　　即退休时的12446元，相当于目前5944元的购买力，每年5944*12=71328元的生活支出，按退休消费水平是目前的70%，可以保持现在的生活质量，夫妇晚年无忧。
　　尊敬的先生：
　　5、保密条款：本规划报告将由金融理财师直接交与客户，充分沟通讨论后协助客户执行规划书中的建议方案。未经客户书面许可，本行负责的金融理财师与助理人员，不得透露任何有关客户的个人信息。
[img][/img]
　　2、夫妇收入年增长率预计5%，无风险利率暂定为3%。
　　由新浪财经、银华基金共同举办的2017“银华杯”十佳银行理财师大赛正在火热进行中，大赛旨在甄选中国最优秀的银行理财师，让社会大众寻找到最优秀的理财精英，并让理财观念深入人心。【大赛详情】
　　太太的寿险现值为：80-35=45年（n）、折现率=投资报酬率-遗属生活开支增长率（8%-3%、r）、每年生活支出：42000（目前生活费的一半）+10000（社交娱乐，目前的1/3）+10000（目前旅游费的一半）=62000（E）， 应有寿险保额=PV（r，n，E，0，1）=1，1570919元。
    
    
　　pmt-10000，n12， fv200000，  BEG
　　3、本理财规划报告做出的所有分析都是基于您当前的家庭情况、财务状况、生活环境、未来目标和计划以及对一些金融参数的假设和当前所处的经济形势，以上内容都有可能发生变化。建议您定期评估自己的目标和计划，特别是在人生阶段发生较大变化的时候，如家庭结构转变或更换工作等。
　　先生的寿险现值为：太太80-33=47年（n）、折现率=投资报酬率-遗属生活开支增长率（7%-3%、r）、每年生活支出：42000（目前生活费的一半）+10000（社交娱乐，目前的1/3）+10000（目前旅游费的一半）=62000（E），应有寿险保额=PV（r，n，E，0，1）=1356848元。
　　这样累计的教育金资产，可以一直支付到小孩读大学，并且在大学入学前就储备好了大学所需费用，各阶段教育金目标和达成期限如下：
　　根据资料的提供与一般家庭的生活收支情况，理财师为客户编制了家庭财务报表如下：
　　五、诊断家庭财务状况
[img][/img]
　　5、预期工作期间投资收益率7%左右，退休后5%左右，假设先生目前35岁，60岁退休，太太目前33岁，55岁退休。
　　非常荣幸有这个机会为您提供全方位的理财规划服务。首先请参阅以下声明：
　　家庭主要理财目标：小孩12年后的大学费用，每年5万，4年共20万元。
　　客户从自由储蓄66592元中，拿出3万元购买货币基金，作为家庭应急资金，剩下36592元，建议客户按40%债券资产、60%股票类资产进行投资，预期收益7%左右。
　　该组合预期收益9.6%，满足养老收益的8.3%需求。
　　九、养老规划
　　四、宏观环境和合理假设
　　3、理财目标：小孩教育规划、夫妇退休规划（建议早做规划）
　　6、投资规划：增加资产到理财、基金等产品上，加大理财性资产收入。
　　（二）就预估的投资报酬率，提出说明
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　　新华网太原11月14日电(记者 魏飚)临近年底，银行在售的各类理财产品也花样百出，一些高收益理财产品吸引了投资者目光。对此，业内人士提醒，对于基金、信托、国债和贵金属等产品，银行只是一个代销渠道，投资者不能仅仅依赖于对银行的信任和了解，更需要重点考察相关经营主体公司及产品本身的情况。
　　近日，记者走访太原市多家银行发现，一些基金、贵金属理财产品收益诱人，有的产品预期收益率甚至接近10%，远高于银行发售的中短期理财产品。对此，业内人士认为，银行代销的理财产品与银行发售的理财产品有本质的区别。银行理财产品是由银行募集资金负责资产、投资并进行收益分配，投资者购买银行理财产品的合同是与银行签订，而非个人或其他公司。投资资金也是转账到银行的资产管理账户的专用账户名下。而代销理财产品则是银行以外的其他机构签订合同，银行销售仅仅是一个渠道。
                
                
        
            
                  
                
                
　　银率网分析师提醒投资者，在银行购买理财产品时，一定要看清产品的发行方是谁，千万不要只贪图高收益，而忽略了重要的细节。此外，也要对银行理财经理的“忽悠”有免疫，不要轻信理财经理的“一般都能兑付、没有出现过不能兑付的情况”等套话，一旦出现不能兑付的情况,在线初中网校加盟，损失的就是自己的真金白银。
　　银率网分析师认为，有的高收益暗藏很大的风险，如若想购买必须了解清楚代销机构的相关信息。由于很多投资者出于对银行的天然信赖，认为在银行购买的理财产品是有保障的，往往不注意购买理财产品时签订的合同细节。当购买的理财产品出现投资收益不能兑付甚至是血本无归时，才看合同，发现原来签约方并非银行，银行也常常是以此为由，不承担任何责任，投资者只能投诉无门自认倒霉。
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　　在传奇荣耀-英雄合击网页游戏里，战士在战场上，往往是一台无所不向的杀人机器，高防御、厚血量以及不俗的攻击能力，让他们拥有了极强的破坏能力。战士的破坏力大都体现在其技能上，那么传奇荣耀-英雄合击战士技能有哪些呢?下面我们一起来了解下吧。
    　　4、烈火剑法：赋予武器烈火的力量，对目标造成相应比例物理攻击，额外附加相应点数的物理攻击。
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    　　6、野蛮冲撞：对低于自身等级的敌人，给予冲撞打击，对目标造成击退和减速效果，zui多可以将目标击退数格，技能施法间隔数秒。
    　　2、半月弯刀：开关型技能]技能开启后，挥舞重刀，攻击范围形如半月，对前方目标造成相应比例物理攻击，额外附加相应点数物理攻击，其他目标造成相应比例物理攻击，额外附加相应物理攻击。
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    　　目前，传奇荣耀-英雄合击战士共有9项技能，分别有刺杀剑术、半月弯刀、攻杀剑法、烈火剑法、初级剑法、野蛮冲撞、战神冲锋、逐日剑术、擒拿手。各项技能效果介绍，如下：
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    　　8、逐日剑术：攻击距离4格，对目标造成相应比例+相应点数的无视防御的物理伤害，同时冲向目标，施法间隔数秒。
    　　7、战神冲锋：快速冲向一个目标，如果目标等级比自己低，可对目标造成减速，持续数秒，技能释施法间隔数秒。
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