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秋高气爽,厦门蓝的天空一望无际。11月5日下午,2020年思明区校园综治目标管理责任考评厦门第二实验小学考评点考评工作有序开展并圆满结束。
——2020年思明区校园综治目标管理责任考评
    下午,思明区教育局安保科刘逸龙、陈艳萍两位老师和参加此次思明区校园综治目标管理责任考评的36位评委早早来我校五楼阶梯教室,开始认真核对指标及各项材料,开展2020年思明区校园综治目标管理责任考评工作。考评组成员通过核实资料、查阅台账,对“组织管理与建设、安全工作部署与落实、安全宣传与教育、安全稳定责任落实、工作创新”等五项指标内容,逐项认真细致地检查考评。

5日上午,参加厦门第二实验小学考评点考评的26所学校均在12点之前将材料送到指定地点。

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Notably, the "integration strategy" Adidas referred to also appeared in Nike's official statement in China. Nike once announced the closure of the only footwear production facility owned by it in March 2009: Taicang factory when Nike claimed in the interview of South reporters that its purpose was to promote the long-term purchasing conformity strategy and streamline supply chain at a further step.
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The first thing that comes to our mid while opting for a new pair has got to be the look and style of the pair. It is not an ornamental and ostentatious one,Jordan Shoes 5, it is simple and classy. It does not comprise of too many frills or jolts and has the neat lines drawn along it with the logo at the back. It is not at all loud, yet has an extra zing factor. The breathability of the shoes and the durability due to hard shell toes and the conformity to the contours of your feet are commendable.
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2. 3年后购买一辆15万元的家用轿车
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  张女士作为家中的主要经济支柱之一,应作为家庭的投保重点,在购买意外险的基础之上,应补充寿险、重疾险、医疗险等。建议①张女士购买20年期保额为20万的定期寿险附加重大疾病保险、附加住院医疗费用保险。②丈夫购买二张意外卡式保单。③一般为孩子购买的教育险附加有重疾、意外或者医疗保险等,建议对没有覆盖部分进行适当的补充。张女士意外伤害保险购买过多,建议其意外伤害保险支出为每年1500元。家庭年总保费支出控制在2万元左右。
  孩子大学费用和留学费用还有15年准备时间,应采取稳健进取型的投资策略。以大学本科及留学费用3%增长率计算,15年后应筹备教育金约75万元。建议每年用年终奖中的3万元投资于预期收益率为7%的基金,15年后即可累积75万元。具体配置为:成长型股票基金15%,指数基金50%,债券基金35%。
  张女士,家住西园新村,现年25岁,从事销售工作,月收入2200元,有意外伤害保险一份,年交保费3000元;丈夫,现年28岁,月收入2600元,有重大疾病保险附加住院医疗保险,年交保费5000元。家庭另有年终奖10万元。孩子现年2岁,家庭为其购买了教育险,缴费期限为15年,年缴保费5000元。
                
                
        
            
                  
                
                
  二、理财规划方案
  张女士可考虑购买一辆中档轿车。用现有资金3.5万元作为启动资金,3年内每年从年终奖内提取3.47万元投资于预期收益率为5%的债券型基金,3年后即可筹集购车资金15万元。购车后家庭每月用车支出预计增加1200元,是可以承受的范围。
  一、财务分析
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  两种方式绕开限制
参会报名:由新浪财经主办的银行业年度盛典“2017中国银行业发展论坛暨第五届银行综合评选颁奖典礼”定于8月24日在北京金融街威斯汀大酒店举行,敬请期待。[报名入口]
  业内普遍认为,加盟在线教育,余额宝连番限额与监管部门对于超大体量货币基金隐含风险的担忧密切相关。
  余额宝2016年年报数据显示,余额宝个人持有比例高达99.72%,机构持有比例仅0.28%。尽管天弘方面未披露持有余额宝10万以上规模的用户数据详情,但据天弘方面提供的信息,余额宝人均投资金额不到1万元。因此,此次调整对余额宝绝大部分用户没有任何影响。
  但证券时报记者发现,这一额度限制实际上是形同虚设的。账户现有余额超10万元的投资者如果想继续转钱到余额宝,至少有两种方式可以实现。
  不过,关于资金“自动退回”余额宝的这一设置,究竟是系统漏洞,还是余额宝自己“留了一手”?证券时报记者昨日向天弘基金内部人士进行了询问,但对方表示“并不知情”。
  证券时报记者 陈若谷
  见习记者 詹晨
        
            
    
        
    
        
              
        
        
        
        
        
      
        
    
        
        
    
    
        
          
        
        
        
  “这实际意味着,余额宝充当了整个蚂蚁金服架构中基础账户的角色。从体系外流入的资金,不管是自动到期还是客户自主撤销交易,都不会再流出蚂蚁金服。这就好像是以前银行网点门口放的一对狮子,一只张口一只闭口,寓意资金只进不出。”一位行业资深观察人士对记者表示。
  “我觉得余额宝规模太大了,如果发生极端情况,比如连续的大额赎回,对整个金融安全会造成一定冲击。从整体的监管思路上,肯定是希望它的规模处于更安全的范围内,这是监管的方向。”某基金公司固收总监分析。
  证券时报记者发现,目前有以下两种方式可以绕开余额宝的额度限制:第一种方法是在蚂蚁财富中购买货币基金等其他产品,付款方式选择用银行卡支付,产品赎 回后该笔资金将自动退回到余额宝,不管当时余额宝账户资金是否已经达到上限。第二种办法是,购买货币基金等产品后,可以马上撤销该笔交易。这种情况下,该 笔资金并不会原路返回银行卡中,而是会被退回到余额宝内。
  昨日是余额宝个人交易账户持有额度上限从25万元下调为10万元的第一天。根据余额宝官方口径,调整以后如果账户资金达到或超过10万,将无法转入更多资金。
  在业内人士看来,10万的投资额度上限是经过深思熟虑后的产物。“余额宝的定位相当于‘零钱包’,账户余额在10万以上的投资者占比不会太多,都是把短 期的闲散资金放在余额宝里面,百万以上的投资需求会更愿意买信托,只有对流动性要求很高,对收益要求一般的理财需求才会选择余额宝。”上述债券投资经理表 示。
  如今,蚂蚁金服旗下的理财平台蚂蚁财富开放了货币基金的代销渠道,目前已有20多只不同基金公司的货基产品在该平台上线。
    
    
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27#

另外,泰康人寿的一个数据,引起猫妹的注意,那就是重疾险赔款2017年同比增长37%,增幅最高。目前,重疾险堪称是国内市场最受欢迎的险种,成为大家的保障规划里必不可少的险种。
  最近一些保险公司公布了2017年度理赔报告,或者是2017十大赔案。人生无常,猫妹带大家边看数据边分析,到底哪些风险可能成为我们生命不可承受之重,哪些风险是被大家所忽视的。
[img][/img]
  由此我们可以看出,部分高发癌症,男女有别,男性常见的是肺癌、肠癌,而女性因为生理特点决定,乳腺癌和妇科癌症高发,甲状腺癌和肝癌,则是男女通吃。
  太平洋人寿的数据显示,2017年最高发的重大疾病是恶性肿瘤(54%)、脑中风(23.2%)、心肌梗塞(7.9%)和急性肾衰(3.1%)。这四种疾病加起来,占比达到88.2%。泰康人寿的数据显示,男性重疾赔案的前三位是恶性肿瘤、脑内出血和猝死,而女性重疾赔案的前三位是恶性肿瘤、脑内出血和呼吸衰竭。
  01 哪些情况保险理赔金额高?
进入【新浪财经股吧】讨论
  这些数据和之前猫妹跟大家分享的是一致的,监管统一制定了25种重大疾病的定义,前6种的发病率占据绝对的大头儿,超过80%;25种重疾的发病占比更是高达95%-98%。所以,在不计成本的前提下追求重疾种类的多少是没有必要的。
    
    
  从理赔数据看,知识付费市场,除了交通意外导致的出险,重大疾病也是重要出险原因。几家保险公司的十大赔案均多次出现重疾险的身影,像光大永明人寿公布的十大赔案均为重疾险。
  之前有不少人问猫妹,重疾险是不是不保癌症啊?这是误解,重疾险保的第一种疾病就是恶性肿瘤,恶性肿瘤也就是大家说的癌症,它也是重疾险理赔的最主要原因。
            
        
        
        
    
        
        
        
        
                
    
        
        
        
            
        
        
        
        
        
    
        
        
            
        
        
  选重疾险时,很多人会纠结到底是买保50种,还是保100种的,那到底哪些疾病发病率高呢?
  这里需要说一下的是甲状腺癌,在国家癌症中心最新发布的《中国肿瘤的现状和趋势》中指出,我国目前恶性肿瘤发病居前10位的癌症依次为:肺癌、胃癌、肝癌、食管癌、结直肠癌、胰腺癌、乳腺癌、脑癌、白血病(血癌)、淋巴癌,并没有甲状腺癌的身影。
  太平洋人寿理赔报告显示,客户疾病理赔率在18岁以下为25%,18-23岁降到2%,随后出险率随年龄增大而升高,至56岁及以上达到16%。
  大家买保险时,最关注的一个险种就是健康险,比如重疾险、百万医疗险,那从理赔数据里能看出什么呢?
  而相比平均20万的重疾治疗费用,保险公司的件均理赔金额却存在很大的缺口,比如泰康人寿的件均理赔5.8万,太平洋人寿的件均理赔额是3.2万。件均理赔低和投保人的保额有关,早年间很多人买的重疾险也就买几万,买20万保额都是高配了,但医疗费用是年年水涨船高,因此,重疾险保额不只要关注当下的医疗费用水平,还需要考虑未来。
  太平洋人寿的理赔年度报告显示,2017年各类理赔款项金额占比是医疗险40.8%,重疾险24.5%,身故29.9%,伤残4.8%;泰康人寿的理赔年度报告显示,2017年各类理赔款项金额占比是重疾险46.8%,寿险30.6%,医疗险19.2%,意外险3.3%。这个赔款占比和各家保险公司的业务模式有关,所以各家公司的数据会有不同,但从中可以看出,包括医疗险、重疾险在内的健康险越来越受到大家的重视,投保人数、保额都在迅速增长。
  另外,太平洋人寿的理赔年度报告称,从该公司的理赔数据看,2015-2017年,甲状腺癌、膀胱癌和呼吸道癌症成为三大增速最快的癌症。
  不要以为年轻就没风险、不要以为买了就没风险
  很多人觉得没必要,但是风险始终存在,只是不知道落在谁头上。一旦用到这个保险,没人说自己当初买错了。类似的风险,其实很多人都有,身负房贷、车贷、创业贷款,一旦突然走了怎么办?买意外险是个办法,也有一些风险意外险不能覆盖,这些问题更适合用定期寿险来解决。
  从保险公司公布的数据看,如果是单纯看理赔金额的高低,有一类情况是非常突出的,那就是意外身故。
  到底哪些癌症最高发?我们先来看一下各家公司的理赔报告:
  先要跟各位猫友说一下,所谓的“十大赔案”是各家保险公司整理的,依据的都是本公司的年度数据,具有一定的样本偏差,同时,也和保险公司的业务开展情况有关。另外,保险公司代表性赔案的选择标准也不一样,有的是以赔付金额作为判断标准的,有的是以赔案是否有代表性作为标准的。猫妹尽量从中挑选共性问题,跟大家讲讲。
  “没人知道,明天和意外哪个先到。”意外险是必备险种,如果是经常开私家车或者乘坐私家车的,可以额外补充私家车驾驶员、乘客意外险,或者直接选择私家车保额翻倍的险种。
  在农银人寿的理赔数据中,猫妹发现了一个名为“农银借款人意外伤害保险”的产品,在十大赔案中,有两件是这个产品理赔的,一件理赔128万,一件理赔100万。老实说,这类的产品一般带有强制性,去银行办理贷款有些会附加条件让办这个保险,早些年办房贷也会让办类似的保险。
[img][/img]
  还有一个小数据可以和大家分享一下。太平洋人寿理赔报告称肿瘤风险高发地区为浙江、福建、广东、北京和吉林,中国幅员辽阔,疾病分布也地域有别,不同的地区高发疾病也不一样,各位猫友可以有针对性的关注自身健康。
  原标题:解密2017保险公司十大理赔案:哪些是真正高风险?保险到底该咋买?
  这些癌症赔得最多
  02 健康第一杀手 癌症!癌症!癌症!
  重疾理赔攀升迅速
        
    
        
              
        
        
        
        
        
      
        
    
        
        
    
    
        
          
        
        
        
        
            
    
  从上文的泰康人寿十大赔案可以看出,获赔者最年轻的33岁,最大的66岁。
  来源:微信公众号“大猫财经”
  作者:猫妹
  猫妹又具体看了一下几家公司的赔案细节,发现因自驾车发生车祸导致身故的占绝大多数,还有一些是乘坐私家车发生车祸身故的,以及骑着自行车外出遭遇车祸身故的。事故的原因也很多样,有因天气原因无法看清道路导致的,也有与大货车相撞导致的。风险既可能源于自身,但也可能完全不受自己控制。
  猫妹分析,这是因为这里统计的是恶性肿瘤,而因为定期体检以及检查手段的不断提升,很多甲状腺癌都能在早起发现并得到及时诊治,所以并没有被归入恶性肿瘤行列。不过,甲状腺癌高发趋势近年来已经逐渐引起保险业界人士关注,所以在核保时均特别严格,甚至百万医疗险能承保的,重疾险都做了除外责任处理。
  很多人觉得,自己年轻,离风险很远。但真的是这样吗?
  在光大永明人寿公布的2017年十大赔案中,恶性肿瘤有9件,甲状腺癌和肺癌赔案分别达到4件和2件。
  我们再看看意外身故的原因,出现最多的是交通意外身故。交通事故目前已经成为“世界第一害”,而中国是世界上交通事故死亡人数最多的国家之一。比如,泰康人寿筛选出的十大赔案这一点最为突出,十大赔案中只有1件是重大疾病导致,其余9起全部是交通意外事故导致;交银康联的十大赔案中,前三件也是交通事故导致的;农银人寿的十大赔案中有4件是交通事故导致的。
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    师生安全撤离到安全地带后,各班老师分工有序,及时清点本班人数并向保卫老师汇报,孩子们听从指挥、动作规范。演练中,有序撤离,无踩踏事件的发生。
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