物價進入上升通道 四季度通脹壓力加劇

　　物價上漲已經讓政府也扛不住了。　　財政部、國家機關事務管理局、中共中央直屬機關事務管理局聯合印發了《中央和國家機關會議費管理辦法》，self storage從明年1月1日起，中央和國家機關會議費標準較以往提高10%，給出的原因就是物價上漲較快。　　隨著下半年年節接踵而至、今年各地極端氣候的影響以及慣性的翹尾因素，接受《中國經營報》記者採訪的分析師認為，雖然8月CPI2.6%漲幅顯示通脹壓力尚且平和，但四季度通脹壓力加劇。CPI進入上升通道　　"目前CPI處於上升周期中，如無意外四季度將升至3%左右。"浙商證券高級宏觀分析師郭磊接受記者採訪時預計。對於即將公佈的9月份CPI數據，郭磊預期，9 月CPI 同比2.9%左右，高則3.0%，低則2.8%。　　他的判斷主要基於翹尾因素9月偏低；其次從高頻數據看，食品價格的環比漲幅在第二周慢下來了，所以目前通脹還不至於明顯超預期。　　在影響CPI的因素中，"豬周期"效應顯著。 有機構人士認為，豬周期進入新一輪上漲周期，因為豬糧比大幅回升預示豬肉上升預期。　　農博網數據顯示，目前全國豬料比價為4.66︰1，豬糧比價6.55︰1，同比漲分別為3.67%與11.99%。　　9月25日全國出欄瘦肉型豬均價落至15.69元/公斤，較去年同期14.62元/公斤漲7.32%；豬肉價格落至24.14元/公斤,較去年同期23.31元/公斤漲3.56%；三元仔豬均價30元/公斤，同比漲6.69%；母豬均價1768元/頭，同比漲3.14%。不過，該機構人士認為，能繁母豬數仍維持在高位，充裕的供給有效地制約豬價短期快速上漲。　　"9月份CPI同比會回升到2.9%左右，主要考慮到去年同期基數偏低。"興業證券分析師王涵認為，基數因素將推升四季度通脹。因為去年10∼11 月同樣是基數偏低，如果按照季節性推算，四季度CPI 同比將回升到3%以上。　　值得一提的是，PPI跌幅收窄值得關注，這將使四季度CPI面臨上漲壓力。　　8 月PPI 同比收窄至-1.6%，環比0.1%，在連續4 個月環比負增長後終於轉正，這跟PMI 價格指數大幅回升也一致。在經濟好轉的方向下，工業經營環境有所好轉，CPI 和PPI 間的差距將繼續縮小。　　平安證券分析師魏偉指出，8月份PPI環比增速轉正已經出現，顯示工業生產較上半年有所回暖，從訂單和預期的數據回升好于生產的情況來看，工業生產企穩的趨勢還將持續，因此PPI環比小幅回升的趨勢也將持續。　　不過郭磊也認為，PPI 環比轉正對四季度CPI造成一定上漲壓力，目前CPI毫無疑問在上升，但還沒到帶來明顯壓力的區域，市場對它的警惕性有限。多重漲價因素疊加　　影響CPI的各項因素最直接的載體就是企業。眼下，多重漲價因素正逐漸壓向他們。　　9月23日，國家發改委發佈關於實現油品優質優價政策的有關意見通知指出，全國範圍內汽柴油升級至第四階段時每噸分別加價290元和370元。升級至第五階段加價170元和160元。這被業界認為，這一政策可能將加大物流企業成本。　　鑒於物流費用在產品價格中占比接近20%的現狀，油價上漲一定程度上也推高了通脹預期 。　　傳化公路港物流集團CEO徐水波9月24日接受記者採訪時稱："每次油價上漲會進一步壓縮其利潤，造成很大的經營壓力。" 據他介紹，油價成本占到該企業總成本的30%，油價對企業利潤影響較大。　　在此之前，物流運輸業已經納入"營改增"試點，但落實中的難點卻沒能如願緩解企業的稅負壓力。"'營改增'之後我們的稅負反而增加了。"　　徐水波對記者坦言，現在企業經營艱難除了油價上漲，還有"營改增"的因素，這兩個壓力共振影響企業mini storage潤較大。　　自從8月1日實施營改增以來，物流企業的稅收較此前上漲3個百分點，由此前按3%上調為6%繳納增值稅。甘肅華德中鐵快運有限公司總經理鮮明給媒體算了一筆賬，"營改增"之前，他們公司屬於差額納稅，假如企業有100萬元的營業收入，90萬元可以進項抵扣，剩餘10萬元是需要繳納營業稅的，各種稅負算下來，需要繳納的稅額大約在4000元左右。但改徵"增值稅"後，還是以100萬元的營業收入計算，各種稅負算下來需要繳納的稅額大約在4萬多元，企業稅負相比之前要加重10倍左右。　　"一些大企業已開始通過加價來抵消上述兩個因素帶來的上漲壓力。"據徐水波介紹，受成本上漲的壓力，"我們計劃漲價，但同時會通過提高服務水平來增強客戶的性價比感受。同時對內控制成本，以維持收入不能下降。否則，企業會扛不住。"徐水波對記者透露他們的應對舉措。　　在企業內部，勞動力與原材料的成本上漲也依舊在持續。　　溫州真青眼鏡製造有限公司董事長葉劍清對記者表示，現在人力與原材料上漲對他們利潤影響較大。　　"今年勞動力成本上漲較快，該廠一般普通工人工資今年已從去年同期月薪約2000元左右漲至2500元。大約上漲了25%左右。"他說。　　同屬勞動密集型產業的深圳市悅菲服飾有限公司經理黃偉鋒亦表示，雖然產品銷售不錯，但該企業的利潤並沒有明顯回升，這跟用工成本較高很有關係。　　相比之下，主打出口市場的真青眼鏡更多了一層匯率成本。9月23日，人民幣兌美元匯率中間價報6.1475，再次刷新匯改以來高點。而今年以來，人民幣兌美元匯率中間價已累計上升1422個基點，累計升值幅度達到2.26%，大大超過去年1.03%的全年升幅。　　"人民幣升值對我們壓力較大，使我們原本只有5%的利潤更加壓縮。"葉劍清有些苦惱地說。市場調控仍是主流　　面對蠢蠢欲動的物價，市場都在看著央行的指揮棒將揮向哪裡。　　"堅持不擴大赤字，既不放鬆也不收緊銀根，而是採取調結構、促改革的方式穩增長。"國務院總理李克強9月23日表示。　　近期央行舉措更是體現了中性貨幣政策，不從緊也不偏松。面對季末和長假因素重疊使近期回購利率出現一定程度的連續走升，央行實施的是逆回購操作進行對沖。　　9月24日，央行在公開市場進行了880億元人民幣6天期逆回購操作，這一規模創7 月末逆回購重�以來新高，中標利率維持在3.9%不變。有意思的是，逆回購期限由此前的7 天"臨時"改為6 天，這使得原本10月1日到期（但實際繳款將因節假日因素順延至10月8日）的這筆資金變為了9月30日到期。這意味著國慶前釋放流動性，以消減節前資金緊張。　　事實上，美國QE退出推遲與8月份外匯占款重拾升勢，使得對於"錢荒"已心生恐慌的市場面對即將到來的季度節點放鬆了不少。　　9月19日美聯儲並未如市場預期縮減購債規模,而是推遲了QE退出的時間點，該貨幣政策的超預期變化使資金出逃擔憂有所減輕。我國8月外匯占款在六七月份連續負增長後實現首次由負轉正。中國人民銀行最新數據顯示，8月份我國外匯占款達到273915.92億元，較上月增加273.2億元。外匯占款正重回升勢，對國內流動性供給會形成一定支撐。並且，有分析稱短期內外匯占款的回升可能性較大，9月有望延續流入趨勢。　　由此對於國內流動性的影響，申銀萬國首席宏觀分析師李慧勇認為，假如QE 宣佈退出引起資金緊張，央行也會進行相應的對沖操作，不會任由資金利率飆升。　　郭磊表示，三中全會之前，政策大體會保持穩定。也就是說，貨幣政策會保持中性。"李克強政府的經濟學核心是供給，這類似經濟學供給學派的思想，意味著在貨幣政策上不會做出過緊或者過寬的波動。"他說。迷你倉

《半�直樹》到《巨輪》為何還要講港劇？

這個星期，mini storage為看兩套電視劇集而弄得雙眼分叉。本來打算寫的，是《半�直樹》。《半�直樹》，日本TBS 電視台周日連續劇，由�雅人擔綱主角，講經濟泡沫年代入行的銀行家，如何與銀行內外的宿敵競標鬥爭，攀爬向上。自播映以來，劇集收視同樣一直向上，深受觀眾歡迎，大結局收視更達到42.2%，超越曾讓多少港人心動心碎的《美麗人生》，成為本世紀最高收視日劇。日經濟泡沫情節觸動打工仔過去星期，我連夜凝視屏幕，專心「煲劇」，照鏡時發現自己雙眼嚴重發光， 拇指「半集直豎」，面容全程繃緊。我肯定，《半�直樹》是令人開眼、讚歎、肉緊的佳作；朋友聚會上，人人眼袋隆起，口沫橫飛：「你追到第幾集？」一眾電視迷滴血相認，四目交投，我知道，這是又一波（來得快去得快）的香港熱潮。熱潮興起，媒體自然興奮拍掌，戮力追捧，於是從生產、文本、觀眾的角度，逐一剖析劇集——日本專家作出政經分析，解構劇集的創作背景，如何反映日本經濟金融泡沫的大時代；文化評論人現身說法，分析文本，重溫金句，解釋故事情節如何觸動打工仔，令你我每日默唸「以牙還牙，雙倍奉還」；普羅劇迷從觀眾角度奔走相告，訴說自己喜愛劇集的因由。我本來打算講《半�直樹》，因為「流行文化評論人」有責任勸勉大眾，放開懷抱，欣賞優質文化產品。正要下筆，又踟躕不前，因為這個星期，我不小心（其實是全神貫注）看了《巨輪》。文化評論依舊避談狠批《巨輪》，香港TVB 製作的時裝倫理電視劇，陳展鵬、蕭正楠當主角，以港澳雙城近三十年的大事為背景，講一對兄弟的命運，如何因應時代巨輪而逆轉。劇集本周首播，收視未知，但觀眾反應頗為冷淡——網民照舊捉錯處，在一九八ま年的香港看見二ま一三年的垃圾桶與的士；文化評論者集體冷對，認為劇集製作求其，情節犯駁，不值一提。文化評論人冷對電視，警戒世人要向（令人盲目反智的）劇集說不，已非新鮮事。過去幾年，隨�無�一邊壟斷市場，一邊製作垃圾，對此知識分子採取兩種態度——（一）堅持「三不」（不看不評不分析），然後轉移視線，搜索各地優質作品，向大眾�身推介；（二）狠毒批判。即使已經少看電視，但每逢大眾關注，例必冒出頭來，罵上幾句，內容不是製作求其、創意凋零，就是文本垃圾、觀眾反智；不是對內新不如舊，就是對外無還擊之力……總之論據寥寥，結論多多。這些說法，我十分認同。無�劇集質素低劣、影響力大不如前，都是事實。不過，這是否代表文化評論人應該從此抽身，掩臉罷看，甚至沿用樣板，重複狠批，妄下定論，不停慨嘆？看過《巨輪》，我對此很有保留。先旨聲明，《巨輪》絕對不是令人開眼、讚歎、肉緊的文化佳作。它一如其他無線劇集，充滿沙石，教人莞爾；但它同時有兩大特點，令我決定睜大雙眼，認真「煲劇」。《巨輪》營造時代感第一，它講時代。《巨輪》開宗明義，述時代變遷，論人心轉變。它的故事由一九八ま年抵壘政策實施開始，途中經歷港澳回歸、金融風暴、沙士疫症，一直講到二ま一三年。年初的《老表你好�》曾輕輕帶過近年的中港矛盾，但要隆而重之去self storage「香港三十年來的時代變遷」，上一齣大概已是二十年前的《大時代》。近年電視台劇集的時空設定，往往抽離社會、經濟、政府環境，脫離現實——劇集的背景通常似是香港，但除了在香港取景，角色講的是廣東話，其他基本與香港無關。《巨輪》這種以時代為題的創作，甚是罕見。Raymond Williams說，電視像一條永不止息的節目長流，而在長流之中，連續劇每集重複出現的「片頭」與格式，是識別節目的重要工具，也為潛藏的媒介論述提供了一種詮釋脈絡。馬傑偉曾經按此思路，分析《大時代》，指出該劇以維港夜景作背景，然後打出「大時代」三個大字的做法，暗示「劇集是關於香港一段重要時期內發生的故事」。無� 倘未棄述我城歷史《巨輪》既講時代，亦有類似的做法支持：劇集主題曲的背景是一連串社會大事片段，當中有的甚至跟劇情無關（如反國教事件）；每集開首，都會加插真實的新聞片段或報章頭條，由旁白鄭重讀出……明顯試圖營造時代感，引起共鳴。作為流行文化評論人，看過《巨輪》，我很好奇：無�既然老早放棄社會背景的創作，那為何突然又會出現《巨輪》？是製作組的構思，還是另有旨意？《巨輪》縷述的時代大事，有港澳回歸、金融風暴、沙士襲港，那為何沒有六四集會、七一遊行、國教風波？當中有何考慮？文本敘述的時代更替，跟平民百姓真正經歷的究竟有什麼分別？它的論述究竟是大是小？無�近年常被批評脫離現實，遠離群眾，那這次嘗試觀眾又有何反應？第二，它觸及香港故事。無�有輝煌歷史，因為它曾經落力為香港人講故事。平民百姓亮�小箱子，既窺見其他港人生活，又明白普羅百姓為何喜為甚憂。至於最近十年，無�劇集令文化評論人頭痛，甚至耍手擰頭，同樣因為它拒絕再講香港故事，大眾電視媒介與港人的身分、文化認同逐漸脫�。這幾年我聽過專家說，時移世易，無�已經毋須再拍《大時代》、《網中人》式的「實�劇」，再去講什麼香港故事；它只會專注製作《半�直樹》式的類型劇，以各種專業為題材，談愛情、親情、友情，不痛不癢，就已大功告成。結果《巨輪》令我和專家同跌眼鏡——它向現在仍然為新移民問題吵得不可開交的香港人，呈現三十年前偷渡客到市區登記一幕；跟九十後訴說回歸前後，香港人的複雜心情……總而言之，《巨輪》的出現，意味電視劇集仍然試講關於我城的歷史故事（當然成效未明，版本亦可有爭議）。留給評論人的（大堆）疑問馬傑偉曾經對《大時代》做過文本分析，認為該劇故事重溫「香港傳奇」，再次確定資本主義在香港故事中永不言敗。那麼《巨輪》創作人流露的意識形態又如何？這如何從文本中看出來？再次嘗試講香港故事的電視媒介在刻下政經環境有何局限？觀眾（尤其是年輕一代）又有何反應？我肯定，這些都是值得文化評論人思考的問題。以上所寫，結論寥寥，疑問多多，作者明顯是個不負責任的電視迷。所以未來一周，他決定暫且（忍痛）放下《半�直樹》，（忍笑）觀看《巨輪》，盤點記錄，分析總結，只因港劇雖然夾雜沙石、充斥垃圾，但同樣有歷史，有意外，有啟示，仍值得你我留意。文阿果mini storage

Unbeaten Oklahoma State will test Mountaineers

Source: Pittsburgh Post-GazetteSept.self storage 28--MORGANTOWN, W.Va. -- For two programs meeting for just the fifth time in the last century, West Virginia and Oklahoma State are plenty familiar with each other.The No. 11 Cowboys (3-0, 0-0 Big 12) will recognize a few faces when they arrive at Milan Puskar Stadium today for a noon kickoff against the Mountaineers (2-2, 0-1). West Virginia special teams coordinator Joe DeForest coached at Oklahoma State from 2001-11. Graduate assistant Andrew McGee was a Cowboys cornerback in 2009-10.Scouting report--Matchup:West Virginia (2-2, 0-1 Big 12) vs. No. 11 Oklahoma State (3-0, 0-0), noon today, Milan Puskar Stadium, Morgantown, W.Va. The Cowboys are favored by 21.--TV, Radio, Internet:ESPN, Mountaineer Sports Network, Sirius 85, XM 85.--West Virginia:QB Clint Trickett will be making his first start as a Mountaineer. ... Turned the ball over six times last week. ... Beat Oklahoma State in 1928 and 1929 but has dropped the past two meetings.--Oklahoma State:Is the only team in the country to have scored a touchdown on every red-zone trip (15) this season. ... Is No. 10 nationally in scoring offense (45.3 points per game) and No. 17 in scoring defense (13.7 points allowed per game).--Hidden stat:Oklahoma State has outscored its first three opponents, 108-13, in the first three quarters of games this year.And, most notably, West Virginia coach Dana Holgorsen spent the 2010 season as Oklahoma State's offensive coordinator and was integral in recruiting standout receiver Josh Stewart and starting quarterback J.W. Walsh to Stillwater, Okla.Walsh, a sophomore, has averaged 214 passing yards and 60.7 rushing yards per game in Oklahoma State's routs of Mississippi State, Texas-San Antonio and Lamar. The prolific, up-tempo Cowboy offense has scored 45.3 points per game."[Walsh] is a winner," Holgorsen said Tuesday. "He falls in the long line of T迷你倉xas high-school coaches' kids. ... Watching him win games with the intangibles he has, you can see it on the sidelines and in practice."You can take guys like that and make their skills better, and obviously they have.West Virginia will hand the reins to junior quarterback Clint Trickett, who transferred from Florida State this summer. Trickett, the son of former Mountaineers offensive line coach Rick Trickett, is the third starter of the young season, replacing Ford Childress after the redshirt freshman tore a pectoral muscle this week.Trickett, who made two starts in two seasons with the Seminoles, has taken just six snaps this season, recording a pair of incompletions on his only pass attempts. He will try to jump start a West Virginia offense that was shut out, 37-0, by Maryland last Saturday.Holgorsen, hoping to give Trickett time in the pocket, said he likely will shift veteran left tackle Quinton Spain to guard, and redshirt freshman lineman Adam Pankey could make his debut after being sidelined with a knee injury since spring.The Mountaineers have lost both meetings with unbeaten teams this season, falling to Oklahoma (3-0) and Maryland (3-0). A loss Saturday would drop West Virginia to 2-3 and mark the program's worst start in a decade, since Rich Rodriguez and the 2003 Mountaineers started 1-4 before sweeping the final seven games of the season.The Cowboys won last year's contest 55-34 in Stillwater."They're a little bit better, obviously, they're [almost] top-10," redshirt senior nose tackle Shaq Rowell said of Oklahoma State. "Everything they do, they do a little bit better than we do. We've got to work twice as hard as last week."Stephen J. Nesbitt: snesbitt@post-gazette.com and Twitter @stephenjnesbitt.Copyright: ___ (c)2013 the Pittsburgh Post-Gazette Visit the Pittsburgh Post-Gazette at .post-gazette.com Distributed by MCT Information Services自存倉

共話中國夢 同聲頌祖國

迷你倉 bjrb.bjd.com.cn/html/2013-09/29/content_113058.htm...共話中國夢 同聲頌祖國 ——北京海外高層次人才風采錄 實現中華民族偉大復興的中國夢，深深植根于每一個海外學子的心中。國慶前夕，...自存倉

What you should know before buying insurance online Tuesday

Source: The Miami HeraldSept.self storage 28--It's the Patient Protection and Affordable Care Act, a.k.a Obamacare. And it's finally arriving this week.On Tuesday, millions of people in Florida and across the United States will, for the first time, be able to log online and comparison-shop for individual health insurance coverage under the new federal law.Here are 10 things to know before the federal Affordable Care Act's marketplaces go live.The basics.Florida is one of 27 states using a federally run health insurance marketplace -- also known as an online exchange -- to let residents compare and shop for coverage.Accessible at healthcare.gov, the online exchanges are set to go live Tuesday. An open enrollment period will run from Oct. 1 through March 31, 2014.People who wish to have coverage in place by Jan. 1 must enroll in their plans by Dec. 15.The healthcare.gov site will prompt users to input information like age, location, gender, Social Security number and current policy number (if applicable). It will then show a list of available plans, as well as coverage details and pricing, and eligibility for federal subsidies or Medicaid. You can then choose to purchase a plan from the ones available.-- Plans are split into various tiers.Insurers will offer plans on five tiers: platinum, gold, silver, bronze and catastrophic.The four "metal" tiers come with different costs and benefits. Platinum plans will carry the highest monthly premiums and the lowest out-of-pocket costs like co-payments and deductibles. Bronze plans will have the lowest monthly costs but higher out-of-pocket costs.The fifth option, catastrophic coverage, is available for people 30 or under and certain low-income residents. These are high-deductible, low-premium plans that are not eligible for tax credits.-- How much will it cost? Depends.The federal government won't provide an under-the-hood look at specific plans until the online exchanges go live on Tuesday. With so many variables to consider -- age, gender, location, income, smoking habits, coverage networks, deductibles, co-payments, etc. -- it is impossible to predict exactly how much someone might pay.However, the U.S. Department of Health and Human Services announced last week that, on average, health insurance premiums for plans purchased through the online exchanges will be about 16 percent less than originally projected. In Florida, that means a 27-year-old making $25,000 a year would, on average, pay a $218 monthly premium for a middle-tier plan, before any tax credits.The Obama administration said prices will be especially competitive in areas like South Florida where several insurance companies are offering multiple plans. In Miami-Dade and Broward counties, premiums will be among the lowest in the state. Miami-Dade has nine insurers offering a total of 141 different plans, and Broward has at least eight insurers offering a total of 136 plans.A 29-year-old Broward resident, on average, would pay a monthly premium of $91.62 for the lowest-cost catastrophic plan, $136.80 for the lowest-cost bronze plan, $185.62 for the lowest-cost silver plan and $201.31 for the lowest-cost gold plan, all before any tax credits. In Miami-Dade, a 29-year-old resident, on average, would pay for the same plans $116.36, $173.74, $216 and $255.67 a month, respectively, before tax credits.Not surprisingly, the prices of premiums rise with the age of the insured.A 55-year-old in Broward would be paying, on average, $272.62 a month for the lowest-cost bronze and $401.18 a month for the lowest-cost gold plan -- the least-expensive rates in the state. The same hypothetical 55-year-old living in Miami-Dade would pay an average of $346.23 a month for the lowest-cost bronze and $509.51 for the lowest-cost gold plan, before tax credits.-- Everyone will receive 10 essential benefits.The Affordable Care Act requires that all health insurance plans offered through the online exchanges provide at least 10 "essential benefits."They are: hospitalization, emergency treatment, outpatient services, maternity and newborn care, mental health and substance abuse services, prescription drugs, rehabilitative services and devices, laboratory services, preventative and wellness services and chronic-disease management, and pediatric services with dental and vision care.-- Subsidies may help cut the cost of coverage.The federal government will defray some costs of health insurance coverage through subsidies -- tax credits -- that it will pay directly to insurance companies. Individuals and families who earn between 100 percent and 400 percent of the federal poverty level ($11,490 to $45,960 for an individual, and $23,550 to $94,200 for a family of four in 2013) may be eligible for sliding-scale subsidies to help pay for premiums.Of the seven million or so people that the government projects will enroll in health insurance through online exchanges in the next six months, about six million are expected to qualify for subsidies. In Florida, an estimated 1.7 million residents will be eligible for subsidies, according to the non-partisan Families USA.Two caveats: You may not be eligible for a subsidy -- even if you fall within the income requirements -- if your employer offers affordable coverage that meets federal requirements. And, the only way to qualify for and receive a subsidy is if you enroll 迷你倉or a health insurance plan through the online exchanges, healthcare.gov.-- Pre-existing conditions are no longer a factor -- but smoking is.Under the Affordable Care Act, insurance companies are no longer allowed to deny coverage based on pre-existing medical conditions. But smokers should expect to pay a surcharge for their coverage. When signing up through the online exchanges, people will be prompted to answer whether they smoke, and prices will change depending on how they answer.-- Patience may be necessary."Like any law, like any big product launch, there are going to be some glitches as this thing unfolds," President Barack Obama said Thursday. Earlier that day, administration officials announced that at least two elements of the exchanges -- a portal for small-business owners and a Spanish-language site -- would be delayed.Owners of businesses with fewer than 50 employees will still be able to compare plans and coverage options starting Tuesday, but they won't be able to sign up workers until at least Nov. 1. And the Spanish-language site, CuidadoDeSalud.gov, will not be able to enroll people for another few weeks."Initially things may well be confusing and frustrating as the signup system goes live," said Steven Ullmann, professor at the University of Miami School of Business Administration and director of its Center for Health Sector Management and Policy. "It will be interesting to see how easy individuals find it using the website or alternative ways to sign up with various aids in place to help decision-making."-- Help is out there.Hundreds of people and organizations in Florida have received federal funding and training to serve as "navigators," helping consumers and businesses sort through the online exchanges and make sense of their options. Navigators must provide free assistance and may not recommend specific plans."We are unbiased, so we don't recommend one plan over another," said Karen Basha Egozi, a navigator and CEO of the Doral-based Epilepsy Foundation of Florida. "We just listen and provide the information each person is trying to access. As far as the plans go, it will be an individual situation. The one-on-one is important."In addition to navigators, more than 40,000 insurance brokers and agents have gotten federal certification to help walk people through the enrollment process on the federal exchanges. Humana, for instance, is beefing up its retail centers and co-sponsoring community events where information about the exchanges is available. Florida Blue has nearly doubled its agent workforce in the state and expects heavy traffic in its retail centers."We feel like people are just going to want to have that interaction," said Jon Urbanek, a Florida Blue senior vice president. "We're going to have a lot of feet in the street."Questions about the enrollment process also can be answered by calling a toll-free hotline, 800-318-2596, or by logging on to a live, private chat at healthcare.gov/chat.-- You will pay a penalty if you don't have health coverage.Americans who choose not to carry health insurance will have to pay a penalty unless they meet one of a handful of exceptions, such as being a member of a federally recognized Native American tribe or have such a low income that they are not required to file an income tax return. Also, Floridians who would have qualified for Medicaid under the Affordable Care Act's new income limits will not pay a penalty because the state refused to expand Medicaid coverage.For the rest, the penalty next year for not having health insurance is 1 percent of a person's annual income or $95 per person per year, whichever is higher. The penalty increases every year; in 2016 it will be 2.5 percent of income or $695 per person.Children also must have coverage. The fee for uninsured children is $47.50 per child in 2014, up to $285.-- You may not have to use the online exchanges.The exchanges are mainly for the uninsured and people who cannot get affordable coverage through their employer. The majority of Americans, about 85 percent, already have coverage through their jobs, and they likely will not buy policies on the exchanges.Others who won't need to shop for insurance on the exchanges include the roughly 12 percent of Americans covered through Medicaid and the Children's Health Insurance Program. Also, people 65 or older on Medicare do not have to enroll. Undocumented immigrants are not eligible for coverage.And others are exempt from enrollment, including members of Native American tribes, people whose premiums would cost more than 9.5 percent of their annual income, and those with incomes low enough that they don't have to file income tax returns.Those who likely will have to enroll or face penalties: the estimated 3.8 million Floridians younger than 65 who currently do not have health insurance.Miami Herald staff writers Daniel Chang and Patricia Borns, and Tampa Bay Times reporter Jodie Tillman, contributed to this report. This story was produced in partnership with Kaiser Health News, an editorially independent program of the Henry J. Kaiser Family Foundation, a nonprofit, nonpartisan health policy research and communication organization not affiliated with Kaiser Permanente.Copyright: ___ (c)2013 The Miami Herald Visit The Miami Herald at .miamiherald.com Distributed by MCT Information Services自存倉

去年旅行社一九七間增十一間 行業收益五十九點七億元

　【特訊】統計暨普查局資料顯示，mini storage2012年有營運的旅行社共197間，較2011年增加11間。截至2012年年底，行業的在職員工共有3,670名，按年增加9%；當中，有薪酬員工佔98%。　受惠於隨團來澳旅客及澳門居民外遊人數增加，行業收益錄得8%按年升幅，達59.7億元(澳門元，下同) ；主要來自訂票服務(佔總數31%)、旅行團(26%)及訂房服務(24%儲存。　行業支出總額為57.1億元，按年上升6%。其中，訂票(17.9億元)、訂房(14.0億元)、旅行團(12.7億元)等商品與服務支出已佔總數81%。另外，經營費用(佔支出總額10%)及員工支出(9%)按年分別上升23%及16%。　反映行業對經濟貢獻的增加值總額為7.8億元，錄得27%的按年升幅。此外，固定資本形成總額較2011年下跌17%，為1.7億元。◇迷你倉

Do you enjoy fine wine Sample the vintages at Magic Valley's wineries

Source: The Times-News, Twin Falls, IdahoSept.儲存 28--Even wine-loving foodies might be surprised by south-central Idaho's winery expansions. All six Magic Valley wineries now have tasting rooms open to anyone, and their winemakers are hungry for a spot in your cellar.So make a local tasting tour an all-day adventure: Choose a few wineries and a driver. Leave time to wander the vines or chat with the vintners. Ask for the stories behind the wineries' quirky labels. And come home with new wines to love.That's what tasters who swirl a glass at Hegy's South Hills Vineyard and Winery are doing."They're usually asking me how to get to the next one," owner Frank Hegy said.Now is a perfect time to visit tasting rooms. Early summer is the first of two annual releases for Idaho wineries, so even people familiar with Idaho vintages can find something new.The Idaho Grape Growers and Wine Producers Commission hasn't yet organized a wine tour in south-central Idaho, member Bill Ringert said, because the region has too few wineries, too far apart."We'd love to see it," said Ringert, co-owner of Hammett's Cold Springs Winery.But there's no need to wait for the commission. Magic Valley's wineries are arranged along the Snake River and linked by highways, and our story package today makes a personal tasting tour easy to plan.A note on winery etiquette: If you taste everything and buy nothing, you'll leave a sour taste behind you. Chatting and serving in the tasting room consumes a lot of time for little return, said Dr. Paul Monahan, owner and winemaker at Hagerman's Thousand Springs Winery."It's a little discouraging," Monahan said. "It's a big black hole. There's so many wines out there; the competition, it's really very competitive."But Buhl winemaker James Holesinsky is more bullish on southern Idaho wines: "We're the new hottest area for tastings."Cold Springs WineryWhen to go: The tasting room is open year-round from noon to 5 p.m. on Saturdays and Sundays, and at other times by appointment; 366-7993. Eight or 10 tasters is all Cold Springs can handle well without special arrangements, co-owner Bill Ringert said; call ahead if you want to bring more.Ringert and his wife live on site, and winemaker Jamie Martin and the vineyard manager are often there, so you have a good chance of catching them for a tasting without an appointment.Find it: Take exit 112 from Interstate 84 to reach 7853 W. Ringert Lane in Hammett; coldspringswinery.com. After a greeting by a friendly dog, you'll stand at the tasting room's granite-topped counter, surrounded by photographs of southern Idaho geology.The room is pretty, but more like an office than anything else; on a warm day, you might opt for the sunflower-lined patio instead. The desert setting has Snake River Canyon rim rock on all sides, and expanses of sagebrush next to the 33 acres of vines.What you'll pay: Tastings are free, except for large groups.In your glass: Cold Springs' reds are merlot, syrah, pinot noir and cabernet sauvignon, and this month Cold Springs released a new blend of cabernet sauvignon, syrah and merlot. (Tempranillo grapes are planted but not in production yet.) Whites are chardonnay, riesling, viognier and pinot gris.Cold Springs' most popular is its Hot Rod Red blend of merlot, syrah and cabernet franc. Last summer Cold Springs rebranded all of its other wines with "-ology" suffixes, but Hot Rod Red kept its name. ("Don't kick a good horse in the teeth," Ringert explains.) Now Hot Rod Red is surrounded by names like Meteor/ology -- that's a pinot gris whose label chatter links it to thunderstorms and global electrical circuits.During a visit to the tasting room, you can sample at least five varieties, occasionally with crackers."During the middle of the week, it's limited to what we have open," Ringert said. "On Saturday and Sunday, we always anticipate that several groups will come through, so we pretty much pour tastings of the entire spread."The experience: Take the 30-second walk from the tasting room into the winery operation and huge cellar to hear an explanation of the wine-making process. Here it's on a larger scale -- and with more impressive equipment -- than at many of south-central Idaho's other wineries.Hegy's South Hills Vineyard and WineryWhen to go: Hegy's offers tastings by appointment from early April until the end of October, then closes for the winter. Call 599-0074.Find it: It's at 3099 E. 3400 N. among Twin Falls farm fields; that's exactly four miles south of Kimberly Road on Eastland Drive, on the southwest corner.The backyard concrete winery has a small bar for tastings, and a pair of upholstered chairs. It's a friendly room -- a little like your buddy's garage -- and far from pretentious. You might find it cluttered with "cheap wine" kitsch and piles of cases. Don't bring along too many friends on cold days; there's room for about 10 inside the building at once.What you'll pay: Tasting is free.In your glass: For retail sale, Hegy's specializes in riesling, so there's just one wine to taste. And there's no food involved. But you'll get personal attention from Frank Hegy, the owner and winemaker.This fall, he hopes to add a cabernet and a chardonnay, from other vineyards' grapes.The experience: The 22-year-old operation is small but you can see it all, including the century-old, 2-ton Italian basket press. Hegy and his helpers do everything from an acre of vine cultivation -- supplemented by purchased grapes and juice -- through labeling, bottling and corking on site.Thousand Springs WineryWhen to go: Tastings are by appointment, year-round; 837-4557 or 420-2198, thousandspringswinery.com.Find it: 18854 U.S. Highway 30 (that's halfway between mile markers 189 and 188) near Hagerman. You'll find the big tasting room and its distinctive spruce-wood bar inside the winery, amid two riverside acres of vines nourished by drip irrigation and fish emulsion fertilizer.Once home to Black Angus, the winery is a converted barn, and its cooling unit is a former chicken coop. Now heavy timbers frame the entrance, and the tasting room is outfitted with antique doors, cabinets of local wood, classy metal fixtures, panels of art glass and Afghan rugs on a rough floor of stained concrete. The result is a destination that would be at home in anybody's wine country.What you'll pay: Tastings are free for small groups, or $5 peself storage person for groups of 10 or more.In your glass: Thousand Springs has four varietals hand bottled and corked on site, from its own hand-picked grapes and other local grapes: rose, chardonnay, syrah and merlot. Taste as many as you want. Almost always, visitors talk to Dr. Paul Monahan, owner and winemaker. No food here.The experience: "If they're interested, we do a little tour of the winery and show them how everything works," Monahan said. Watch for Hungarian oak barrels, a pretty paver patio near a cattail-lined koi pond, an orchard and a backdrop of Snake River Canyon rock.Snyder WineryWhen to go: Summer tasting hours -- June through September -- are 1-9 p.m. on Fridays and Saturdays, and 1-5 p.m. on Sundays, or other times by appointment; 543-6938. (When the winery switches to winter hours in October, Sundays will drop out of the regular tasting schedule.)You'll need appointments for wine-making tours and dinner reservations for the restaurant at Snyder Winery, formerly called Blue Rock. But you can just drop in for a wine tasting during restaurant hours -- and order desserts or appetizers, if you like. The tasting room and grounds are spacious; bring as many friends as you want."And spend the whole evening if you like," co-owner Russ Snyder said. The staff doesn't turn the tables during the course of an evening, so feel free to linger.Find it: You'll find this unexpected little gem at 4060 N. 1200 E., in farm country west of Buhl. Restaurant tables on a window-enclosed deck surround a sophisticated tasting room, and you'll find more in the garden. The tasting room is outfitted with leather barrel chairs grouped around a piano and fireplace, on a rug-warmed floor of glowing wood.What you'll pay: It's $5 for three tastes of about an ounce each.In your glass: Snyder Winery has eight wines to choose from, all made on site from its own or other Idaho grapes: riesling, chardonnay, white syrah, merlot, cabernet sauvignon, syrah, cabernet franc and a Big Wood River Red blend of syrah, cabernet sauvignon and cabernet franc. Claudia Snyder is co-owner and co-winemaker with her husband; she or a restaurant server will handle the wine talk.Pretzels and crackers are free, or you can order an hors d'oeuvre platter from the restaurant.The experience: Start your visit during daylight, because this winery's grounds are gorgeous. Think fountains, bridges, benches, lamps, lawns, streams, stone walkways, pretty pots, lavish flower beds, a rose garden. The newest addition is a pavilion sheltering patio tables.Holesinsky Organic Vineyard and WineryWhen to go: Tastings are noon to 5 p.m. Saturdays and Sundays, and by appointment on other days; 543-6940 or 420-9887. Even on Saturday and Sunday afternoons it's a good idea to call first, in case the facility has been rented for a wedding reception, class reunion or the like. An appointment for tasting also ensures a one-on-one experience with owner and winemaker James Holesinsky.The tasting room can accommodate about 10 people; there's outdoor seating for 50 in a garden overlooking the Snake River Canyon.Find it: To reach 4477-A Valley Steppe Drive, north of Buhl, watch for the vineyard's big sign on Clear Lakes Road; holesinsky.com.You'll find a low but welcoming building of stucco and brick studded with barrel ends. Inside is a sleek tasting room designed and lighted like a tiny art gallery. You'll stand at a bar of stained concrete. Outside, a weeping willow towers over a wooden deck, a fountain plays in a pond, and a stream intersects the rolling, boulder-strewn lawn.What you'll pay: A $5 tasting fee covers the first flight of five wines. Or pay $20 per person for an experience that includes in-cellar barrel tasting, cheeses paired with individual wines and more attention from the winemaker.In your glass: The first flight consists of Purple Octopus syrah, Fat Men merlot, Della's Ghost riesling, Vortex chardonnay and Pink Unicorn rose.The $20 tasting introduces a variety of private reserve wines. Holesinsky's single-barrel releases include a seven-varietal red blend, a tempranillo, a malbec "and some other surprises," he said. "That's our new thing -- small-lot releases."The experience: During a tasting, you can tour the newly built underground wine cellar and wander the canyon-rim site with its year-round waterfalls.Novice home winemakers interested in learning about harvest can pay a consulting fee to come back in the fall for hands-on experience with Holesinsky.Carmela VineyardsWhen to go: Tastings are seven days a week, year-round: 10 a.m. to 9 p.m. Mondays through Saturdays, and 10 a.m. to 8 p.m. Sundays. Large groups are fine here.Find it: 1289 W. Madison St. in Glenns Ferry; carmelavineyards.com or 366-2313. You'll stand at the front counter inside a gift shop selling grape-themed T-shirts, candles in wine glasses, Oregon Trail memorabilia and the like.What you'll pay: Five tastes of about an ounce each will cost $5 if you don't buy a bottle of wine, but they're free if you do.In your glass: Most of Carmela's wines are reds, but it lists some sweets and whites, too. Carmela makes all of its wines from Idaho grapes -- both its own and grapes from small southern Idaho vineyards.The newest release is Wine-A-Rita, Carmela's summer wine. It's a $13.99 chardonnay blend that pairs well with chicken. "It has a little bit of a margarita flavor, and we're going to put it over ice with a bit of lime," bookkeeper Yvonne Decker said.For a tasting, you'll choose five wines from the list of 18 -- staff recommends three reds, a white and sweet -- and get crackers with your wine. An employee (perhaps manager Domonique Sykes) will handle the wine talk.The experience: Behind the tree-lined entrance you'll find the most developed and tourist-friendly of south-central Idaho's wineries -- and the least personal.It's a wedding-worthy setting: Landscaped grounds and 30 acres of vineyards (labeled by variety) surround the winery on a slope overlooking the Snake River. A stone chateau houses a restaurant, bar and gift shop, with golf, cabins and an RV park also on the grounds.If you want to tour the wine-making cellars, come between noon and 5 p.m. on Saturdays and Sundays, or make an appointment.Copyright: ___ (c)2013 The Times-News (Twin Falls, Idaho) Visit The Times-News (Twin Falls, Idaho) at magicvalley.com Distributed by MCT Information Services迷你倉