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1、1. Dowclosesabove16,000TheDowJonesindustrialaveragejumpsmorethan109pointstocloseat16,009.99astheindexpostsits40threcordhighthisyear.TheDowsadvancewaspropelledbyabetter-than-expecteddropinjoblessclaimsandaSenatepanelsvotesupportingJanetYellensbidtoleadtheFederalReserve.Above,traderThomasDonato,center

2、,worksontheflooroftheNewYorkStockExchange.(RichardDrew,AssociatedPress/November19,2013)ByTuoJianboNovember21,2013,6:03p.m.TheDowJonesindustrialaverageclosedabove16,000forthefirsttime,atestamenttoinvestorshopethattheploddingeconomycangainmomentuminthecomingyear.Theindex,agaugeof30ofthelargestAmerican

3、companies,jumpedmorethan109pointstocloseat16,009.99.Thursdaysadvancewaspropelledbyabetter-than-expecteddropinjoblessclaimsandaSenatepanelsvotesupportingJanetYellensbidtoleadtheFederalReserve.Thestockmarketiscaughtupinitsmostfuriousrallyinadecade.TheDownotchedits40threcordhighthisyear.Ithasjumped22%s

4、inceJan1.TheStandard&Poors500indexisupnearly26%.Andthetechnology-ladenNasdaqcompositeindexhasbounded31.5%.Itdoesntgetanybetterthanthis,saidQuincyKrosby,marketstrategistatPrudentialFinancial.Itsbeenafantasticyear.Eclipsingthe16,000milestoneunderscoresthedramaticrecoveryinsharepricesfromtheirlowinMarc

5、h2009aftertheglobalfinancialcrisis.ItalsohighlightsthetremendousgainsenjoyedbyAmericanswhoholdfinancialassetsprimarilystocksandrealestateevenasvastswathsofsocietygrapplewithhighunemploymentandmeaslywagegains.ThemarketrallyhasbeenstokedbytheFedseconomic-stimuluscampaign.Thecentralbankisbuying$85billi

6、onamonthinTreasuryandmortgagesecurities.Thathelpskeepinterestrateslow,whichencouragesborrowingbyindividualsandbusinesses.Theeasy-moneypolicyhashoistedcorporateprofitsandreinvigoratedthehousingmarket.Italsohassenthordesofinvestorsintothestockmarketinsearchofreturnsthatareunavailableonlow-yieldingbond

7、sandbankaccounts.Theintensityofthestockrally,however,hasstirredconcernthatinvestorsmaybegettingaheadofthemselves,particularlyindividualswhohaverushedintostocksinthelastseveralweeks.Optimistssaysmallinvestorsaremovingcautiouslyintothestockmarketafterseveralyearsofshunningequities.Peoplearebeingpruden

8、tandbeingsmartabouthowtheyregettingintothemarketoverall,saidJ.J.Kinahan,chiefstrategistatTDAmeritradeinChicago.ItsnotIhavetogetinandImallin,whichisoneofthemistakesweveseeninthepast.However,othersfearthatstocksareinWallStreetparlancemeltingup.SomeonWallStreetarefrettingovertherecententhusiasmofsmalli

9、nvestors,whohavepouredmoneyintostockmutualfunds.Individualshistoricallybarrelintothemarketatthetailendofrallies.Theymissmostofthegainsbutleavethemselvesexposedtolosseswhenaneventualdownturnhits.Themostimmediatethreattothemarketistheexpectationthatthecentralbankwillbegintoreduceitsbondbuyingsometimen

10、extyear.ThemarkettumbledinthespringwhentheFedhintedataso-calledtapering.Thecentralbankbackedoffwhentheeconomycooledinthesecondhalfoftheyear.Itsnowwidelyassumedthatthetaperingwillstartinthefirsthalfof2014.Andthechancesofthatareboostedbyrecentstrongeconomicreports.OnThursday,theLaborDepartmentreported

11、thatthenumberofworkersfilingnewunemploymentclaimsfellforthefourthtimeinfiveweeks,to323,000fortheweekthatendedSaturday.Thedrop,from344,000thepriorweek,broughtthenumbertoitslowestlevelsincelateSeptember.Thestartof2014willalsobecrucialforthemarketoncecompaniesbegintoissuefourthquarterearningsreports.In

12、vestorshavebeensomewhatnonplusedduringthelasthalfascompanieshavereportedless-than-spectacularresults.Earningssurgedin2010and2011astheeconomygainedsteam.Butprofitgrowthhasthrottledbacksincethen.2. Fewerpeopleblow401(k)retirementmoneyonmeaninglesspurchasesFewerAmericansarecashingouttheir401(k)savingst

13、obuycars,clothesandothergoodswhentheychangejobs.(BrianvanderBrug/LosAngelesTimes)ByTuoJianboNovember13,2013,12:16p.m.FewerAmericansareblowingtheir401(k)savingsoncars,clothesandotherfrivolitieswhentheychangejobs.Only7.5%ofU.S.workerslastyearcashedouttheirretirementmoneytospendonpurchaseswhentheylefta

14、job,accordingtodatareleasedWednesdaybytheEmployeeBenefitResearchInstitute.Thatshalfthe15.1%levelfromadecadeago,andone-thirdthe22.7%of20yearsago,accordingtoEBRI.Whenworkersleaveajob-oftenforanewpositionelsewhere-theyhaveseveraloptionswiththeir401(k)savings.Thatincludesrollingthemoneyintoanindividualr

15、etirementaccountorcashingoutandspendingit.(Dependingontheamountsinvolvedandthepoliciesofthenewemployer,workersalsocanleavethemoneyintheoldcompanysretirementplanorrollitintoaplanatthenewemployer.)Thedecreaseinconsumption-relatedcashoutsisasignthatAmericans-atleastthosewhoaredisciplinedenoughtocontrib

16、utetowork-basedplansinthefirstplace-aregettingthemessageabouttheimportanceofsavingforretirementandnotsquanderingitonunnecessarypurchases.Morethan4in10people(45.2%)rolledtheirmoneyintotax-preferredretirement-relatedvehicles,primarilyanIRAoranotheremployerssavingsplan,accordingtoEBRI.Thatsupslightlyfr

17、om43.4%10yearsagoandupsharplyfromearlieryears.Itwas35.4%in1998and19.3%in1993.3. StillMadeinBritainwebsitechampionshomegrownstarsmakingeverythingfromclothestofurnitureByTuoJianboPUBLISHED:07:37GMT,22November2013AstheownerofasuccessfulwebsitethatmarketsandsellsproductsthatareproducedintheUK,entreprene

18、urTonyBoylancanspotafakeMadeinBritainlabelamileoff.AccordingtoTony,evenleadingbrandsusemisleadingphrasesontheirproducts,includingSavilleRowinspired(madeinChina)orCountryFashionwithaUnionJack(alsomadeinChina).The68-year-oldexplains:Iamverypassionateaboutlabels,especiallyclothinglabels,andknowingwhere

19、thingsaremade.MadeinBritain:TonyBoylanusedhissavingstosetupawebsitehostingBritish-madeproductsTheBritishandMadeinBritainlabelisimportantandthereneedstobemoreofanemphasisonwhatcompaniesareallowedtosay.Manyclotheshavenooriginlabelwhichiswrong.Inrecentyears,MadeinBritainbrandinghasbecomeevenmorevaluabl

20、e,especiallyinthewakeoftragedieslikethecollapseofthefactoryinBangladeshwhichkilled900peopleasbusinessesplacemoreofanemphasisonmanufactureandworkingconditions.Tonypointsout:WithclothingcomingfromplaceslikeBangladeshwheretherehasbeenterriblefires,verypoorwagesandworkingconditions,consumersaregettingmo

21、recautiousandmoreselective.EventheleadingbrandstoresareworriedabouttheirimageandhavestartedtorethinkbuyingpoliciessothattheyplantobuymorefromtheUK.ButTonybelievesthatchampioningBritishproductsisnotjustanethicalchoice.HewantstoseearesurgenceinmanufacturingtoboosttheailingeconomyinBritain.Britishbusin

22、essiscriticaltoBritainswellbeing.Wecannotjustbeaservice-basedeconomy.ManufacturinghasaplaceandBritishcompaniescanbecompetitivewithbetterquality,especiallysincelabourcostsfromtheFarEastandshippingcostshaverisendramatically.However,headds:Ourbigproblemmightbethelackskillslostoverthelastthirtyyears.The

23、reishoweveratrendthatmanufacturingiscomingbacktothiscountry.Tony,wholiveswithhispartner,Kath,decidedtosetuphiswebsite,StillMadeinBritainasaretirementventurewithhissavingsaftermanyyearsinmanufacturingconsultancy.Itprovidesago-toplatformforBritishproducts,featuringawidevarietyofcompaniessellinganythin

24、gfromclothingandbuttonstofurnitureandmusicequipment.Ithasquicklygrowntohostmorethan400firmsandattractsonlinetrafficfromacrosstheworldfromshopperslookingforBritishitems.Businessesusuallyapplytobelistedonthesite,althoughoccasionallyTonywillinviteaninterestingenterprisepersonally,andpayaone-offfeetojoi

25、nsite.Eachcompanygetsitsownpageandalinktoitswebsite.4. Amazonshoppershitwith必9chargeforPrimeservicesomeclaimtheyneversignedactuallyuptoByTuoJianboPUBLISHED:09:26GMT,20November2013AngryAmazonshoppershavebeenhitwitha地9chargeforaspecialdeliveryservicetheyclaimtheyneversignedupto.Unwittingcustomerswhoto

26、okafreetrialwithAmazonPrimehavebeenautomaticallyslappedwithabillwithoutwarning.Manydidnotevenknowtheirtrialwasuporthattheyhadbeencharged,untiltheysaw地9AppsToraAudub4etakenontheirbankstatement.KINDLEFIREHDDEALWasNw口叫99ChristmascomesearlyAmazonfTreg-inekeqHamazonPrimeFreeOne-DayDeliveryNorninimumordervalue*TryPirimaFrea.for3QQhayf.Subacnbg&ABayto(CtmamtKTPrimecomesbeforeafall:AngryshopperssaytheyhavehadtopayforaservicetheyclaimtheydidntsignuptoAndotherswhomissedthesmallprintdidnotrealisetheywouldhavetopayextraafter30days.TheAmazonPrimeservic