色综合图区天天啪夜夜爽综合在线一本首道久久综合久久爱《区域全面经济伙伴关系协定》部长级会议在北京举行

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像你這樣的年齡與經驗,隨時隨地吸收別人的意見非常重要。經常請教前輩更是必需。你敏感得很,準會很快領會到那位前輩的特色與專長,盡量汲取不到汲取完了決不輕易調換老師。 色综合图区 近來我正在經歷一個藝術上的大難關,眼光比從前又高出許多(五七年前譯的都已看不上眼),腦子卻笨了許多,目力體力也不行,睡眠近十多天又不好了。大概是精神苦悶的影響。生就惶惶不安的性格,有什麼辦法呢?天天啪夜夜爽综合在线 “理財”,若作為“生財”解,固是一件難事,作為“不虧空而略有儲蓄”解,卻也容易做到。只要有意志,有決心,不跟自己妥協,有狠心壓制自己的fancy[一時的愛好]!老話說得好︰開源不如節流。我們的欲望無窮,所謂“欲壑難填”,若一手來一手去,有多少用多少,即使日進斗金也不會覺得寬裕的。既然要保持清白,保持人格獨立,又要養家活口,防旦夕禍福,更只有自己緊縮,將“出口”的關口牢牢把住。“人口”操在人家手中,你不能也不願奴顏婢膝的乞求;“出口”卻完全操諸我手,由我作主。你該記得中國古代的所謂清流,有做骨的人,都是自甘澹泊的清貧之士。清貧二字為何連在一起,值得我們深思。我的理解是,清則貧,亦維貧而後能清!我不是要你“貧”,僅僅是約制自己的欲望,做到量人為出,不能說要求大高吧!這些道理你全明白,毋須我咯嘟,問題是在于實踐。你在藝術上想得到,做得到,所以成功;倘在人生大小事務上也能說能行,只要及到你藝術方面的一半,你的生活煩慮也就十分中去了八分。古往今來,藝術家多半不會生活,這不是他們的光榮,而是他們的失敗。失敗的原因並非真的對現實生活太笨拙,而是不去注意,不下決心。因為我所謂“會生活”不是指發財、剝削人或是嗇刻,做守財奴,而是指生活有條理,收支相抵而略有剩余。要做到這兩點,只消把對付藝術的注意力和決心拿出一小部分來應用一下就綽乎有余了! 一本首道久久综合久久爱

As with the government shutdown before it, the costs of tariffs for Chinese imports on small businesses do not end when politicians say they do

20Jun

As the trade war between the US and China continues and billions of dollars in tariffs continue to weigh down the supply chains of America's small businesses, we may be reminded of another recent political decision that ended up hurting American businesses and workers most of all.

The cost of the shutdown

In the weeks following the end of the longest-ever federal government shutdown earlier this year, there was much talk of the cumulative effect that the shutdown had on the economy a permanent loss of $3bn, according to a Congressional Budget Office estimate.

While the losses that private sector businesses experienced during the shutdown were real and painful for millions of Americans, the CBO's analysis did not incorporate indirect effects, such as the lack of access to government-backed loans specifically, small business administration (SBA) loans.

SBA loans are considered the gold standard of small business loans. They are not funded by government money but dispersed by trusted partners and backed by a federal guarantee. SBA loans are important tools for small business owners who qualify: It is rare to find traditional loans with interest rates and repayment terms that beat SBA loans.

During the shutdown, the processing of SBA loan applications was forced to an indefinite stop. As days dragged into weeks, reality set in for small businesses: If you want to make investments in your business an expansion or renovation, new hires, refinancing you may not be able to wait.

Many did not. According to data sourced by Fundera, 11% of businesses that were ready to receive SBA loans these were businesses that passed FICO small business scoring service (SBSS) and would fund tomorrow if they could instead opted to get financing from a different source than the SBA during the shutdown. In all, 50% of businesses who started an SBA application with Fundera went on to submit loan applications for other products during this time period.

This is no small thing. Some business owners decided to move ahead without receiving the best funding possible. As a result, they may end up paying out more in interest rates and other fees, over a shorter repayment period.

The long-term impacts

In all, a wealth of opportunities may have been wasted, squandered or otherwise gone unrealized as contractors moved on, deals dried up and decisions were made to move ahead while small businesses missed out on more than $2bn in halted funding from the SBA.

Couple these lost opportunities to acquire affordable funds with the lost revenue from decreased demand during December and Januaryand many small businesses may now be mired in uncertainty rather than prosperity.That is because a business that qualifies for an SBA loan can stretch their debt and shrink their monthly payments. This frees up cash flow that they can put into their pockets, reinvest into their business, pay down additional debt, expand, grow, hire and ultimately have a better chance of success.

The SBA has reportedly been working hard on processing loan applications since the government reopened. But just as government contractors will not receive back pay, America's small businesses will be unable to return their less-optimal funding for SBA loans.

The cost of Chinese tariffs

A similar sort of uncertainty is playing out today thanks to tariffs on billions of dollars' worth of Chinese goods with the potential for even more tariffs in the weeks to come, covering every sort of Chinese import. According to a poll of 1,700 small business owners, 43% of businesses said that their costs are increasing as a result of the additional 15% duty tax they may need to pay on imports. Businesses which for years cultivated trusted Chinese manufacturers will now have to pay untenable prices for their wares or seek less experienced and poorer quality suppliers in countries like Indonesia and Vietnam.

Will these tariffs last through next month? Will they last through the end of this presidential term? Will they go another four years? Business owners can take out loans or find workarounds to mitigate the hits to their bottom lines, but at the end of the day, they will still pay a ton in tariffs, in lost business, in poorer quality that can kill their business over the course of a few short months.

Most politicians agree that small businesses are the engine of America's economy, as they make up 99.7% of US employer firms but long-term government shutdowns and supply chain price hikes stall that engine and force many of its components to halt entirely.

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