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青山妩媚

新的一年,新的心情,新的挑战,新的起点...

 
 
 

日志

 
 

Feminine...Masculine  

2010-11-13 21:34:22|  分类: 外语学习 |  标签: |举报 |字号 订阅

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universal life

Life insurance which combines the low-cost protection of term insurance with a savings component that is invested in a tax-deferred account, the cash value of which may be available for a loan to the policyholder. Universal life was created to provide more flexibility than whole life by allowing the holder to shift money between the insurance and savings components of the policy. Additionally, the inner workings of the investment process are openly displayed to the holder, whereas details of whole life investments tend to be quite scarce. Premiums, which are variable, are broken down by the insurance company into insurance and savings. Therefore, the holder can adjust the proportions of the policy based on external conditions. If the savings are earning a poor return, they can be used to pay the premiums instead of injecting more money. If the holder remains insurable, more of the premium can be applied to insurance, increasing the death benefit. Unlike with whole life, the cash value investments grow at a variable rate that is adjusted monthly. There is usually a minimum rate of return. These changes to the interest scheme allow the holder to take advantage of rising interest rates. The danger is that falling interest rates may cause premiums to increase and even cause the policy to lapse if interest can no longer pay a portion of the insurance costs.

clients of Chinese descent, assembly= morning meeting, yikes, yummy, 

Dear Valued Friend,

How time flies! It is almost hard to believe that GenScript has now been in existence for 8 years providing breakthrough and pioneering bio-sourcing solutions to the biotech/pharma industries and academic sector. Thanks so much for all your support, trust and loyalty. As the mid-autumn festival approaches, I wish you and your families and friends good health, a fulfilling career and continued prosperity.

Wherever we find ourselves, we are all able to share the beauty of the moon together in the quiet of a Moon Festival night. And whenever you face a problem in your projects, GenScript will be there, willing to listen and delighted to help.

Sincerely yours,

Bite me! Good excuse! (苦衷), not even close! (远远不够). I am growing. (我不会那样了)

Dine and dash = Eat and run, dine and wine, orgasm,

The night is still young! (夜未央)per se: 本质,视情况而定

contrarian

An investor who behaves in opposition to the prevailing wisdom; for example, buying when others are pessimistic and selling when they're optimistic, or buying out-of-favor stocks. In an extended bull market, the term contrarian can begin to mean someone who is bearish or prefers value stocks to growth stocks, although this is really just a subset of contrarian investing.

currency convertibility

The ability to exchange money for gold or other currencies. Some governments which do not have large reserves of hard currency foreign reserves try to restrict currency convertibility, since they are not in a position to handle large currency market operations to support their currency when necessary.

reverse repurchase agreement

A purchase of securities with an agreement to resell them at a higher price at a specific future date. This is a way to borrow money and allow the securities to be held as collateral. Reverse repos occur most often in government securities, and often also in other securities that are highly valued and thus considered a good source of collateral.

subscription right

The right of current shareholders to maintain their fractional ownership of a company by buying a proportional number of shares of any future issue of common stock. Most states consider preemptive rights valid only if made explicit in a corporation's charter. also called subscription privilege or preemptive right.

blend fund

A mutual fund whose assets are composed of a combination of stocks, bonds, and money market securities, rather than just one or two of these asset classes. This enables investors to diversify their holdings with a single fund. Since blend funds vary considerably in composition is difficult to make generalizations about their performance or risk level, but usually they are somewhat less risky than stock mutual funds and somewhat more risky than bond funds or money market mutual funds. also called hybrid funds.

float

The number of shares of a security that are outstanding and available for trading by the public.

The amount of money or time represented by checks that are in transit between deposit and payment, or credit card purchases that are between the purchase and the payment.

To allow the value of currency to be determined solely by supply and demand without outside interference.

alligator spread

A position consisting of a combination of put options and call options that collectively create commissions so high that it is almost impossible to turn a profit regardless of which direction the underlier moves. The term originates from the idea of the spread "eating the investor alive."

working capital requirement

The amount of working capital a company determines it must maintain in order to continue to meet its costs and expenses. The working capital requirement will be different for each company, depending upon many factors such as how frequently the company receives earnings and how high their expenses are.

option price

The amount per share that an option buyer pays to the seller. The option premium is primarily affected by the difference between the stock price and the strike price, the time remaining for the option to be exercised, and the volatility of the underlying stock. Affecting the premium to a lesser degree are factors such as interest rates, market conditions, and the dividend rate of the underlying stock. Because the value of an option decreases as its expiration date approaches and becomes worthless after that date, options are called wasting assets. The total value of an option consists of intrinsic value, which is simply how far in-the-money an option is, and time value, which is the difference between the price paid and the intrinsic value. Understandably, time value approaches zero as the expiration date nears. also called option premium.

economic indicator

Statistical data showing general trends in the economy. Those with predictive value are leading indicators; those occurring at the same time as the related economic activity are coincident indicators; and those that only become apparent after the activity are lagging indicators. Examples are unemployment, housing starts, Consumer Price Index, industrial production, bankruptcies, GDP, stock market prices, money supply changes, and housing starts. also called business indicators.

Finders keepers, losers sweepers!

antidilution provision

The right of current shareholders to maintain their fractional ownership of a company by buying a proportional number of shares of any future issue of common stock. Most states consider antidilution provisions valid only if made explicit in a corporation's charter. also called subscription privilege or subscription right or preemptive right.

2. Sanofi cuts 400 R&D jobs in PA

As part of Sanofi's push to consolidate R&D operations, the French drugmaker said that it will close its Great Valley, PA, R&D site by July 2011. That move will cost 400 workers their jobs. The roughly 45 clinical trial supply employees and support staff at the site won't be affected by the cuts.

Sanofi spokesperson Elizabeth Baxter tells The Mercury that the company is working to relocate as many employees as possible. "We anticipate that approximately 303 Great Valley-based employees will be offered relocation to another Sanofi Aventis U.S. site and approximately 105 Great Valley-based employees will be (terminated)." Oncology R&D workers will be moved to Cambridge, MA, while preclinical, clinical and regulatory jobs will head to Bridgewater, NJ, the paper reports. Thirty-five positions at the Bridgewater site are also beimg eliminated.

The most common side effect was diarrhea. Sideline,

risk reversal

An indicator of the volatility difference between a call option and a put option. Risk reversal is used because it is more helpful in this situation to see the volatility rather than the price. A high risk reversal indicates that the call option is more volatile than the put option, and the opposite is true for a low risk reversal. This information is used by investors to get a reading on the markets, and to help them decide how to invest.

indirect quote

A foreign exchange rate of a foreign currency per unit of the domestic currency. In terms of U.S. dollars, an indirect quote is the number of U.S. dollars that one unit of a foreign currency could buy. For example, an indirect quote for the Japanese Yen could be 110 Yen = US $1. opposite of direct quote.

ChFC

Chartered Financial Consultant. A financial planning designation for the insurance industry awarded by the American College of Bryn Mawr. ChFCs must meet experience requirements and pass exams covering finance and investing. They must have at least three years of experience in the financial industry, and have studied and passed an examination on the fundamentals of financial planning, including income tax, insurance, investment and estate planning.

amortization method

A distribution calculation method for making penalty-free early withdrawals from retirement accounts. An assumed earnings rate is applied over the duration of the individual's life expectancy, while the life expectancy is determined using IRS tables. Generally, the rate must be within 120% of the applicable federal long-term rate. Once the rate is determined, the withdrawal remains fixed each year.

A distribution calculation method for making penalty-free early withdrawals from retirement accounts. An assumed earnings rate is applied over the duration of the individual's life expectancy. Generally, the rate must be within 120% of the applicable federal long-term rate. Once the rate is determined, the withdrawal remains fixed each year.

day trader

Very active stock trader who holds positions for a very short time and makes several trades each day. Day traders are individuals who are trying to make a career out of buying and selling stocks very quickly, often making dozens of trades in a single day and generally closing all positions at the end of each day. Day trading can be costly, since the commissions and the bid/ask spread add up when there are so many transactions.

Brady bond

U.S. dollar-denominated bond issued by an emerging market, particularly those in Latin America, and collateralized by U.S. Treasury zero-coupon bonds. Brady bonds arose from an effort in the 1980s to reduce the debt held by less-developed countries that were frequently defaulting on loans. The bonds are named for Treasury Secretary Nicholas Brady, who helped international monetary organizations institute the program of debt-reduction. Defaulted loans were converted into bonds with U.S. zero-coupon Treasury bonds as collateral. Because the Brady bonds were backed by zero-coupon bonds, repayment of principal was insured. The Brady bonds themselves are coupon-bearing bonds with a variety of rate options (fixed, variable, step, etc.) with maturities of between 10 and 30 years. Issued at par or at a discount, Brady bonds often include warrants for raw materials available in the country of origin or other options.

brokerage account

A customer's account at a brokerage. There are three kinds of brokerage accounts. The most basic kind is a cash-management account, into which investors place money in order to make trades. There must be enough money in the account to cover the trade at the time of its execution (including both the price of the security and the commission), or the investor must be able to pay for the trade within three days (which is called the settlement date). Some brokerage firms accept credit cards to fund cash accounts, but the most require cash or a personal check. Such an account is often a good substitute for a bank account. A second, more sophisticated kind of brokerage account is a margin account, which allows an investor to buy securities with money borrowed from the broker. The Federal Reserve limits margin borrowing to at most 50% of the amount invested, but some brokerages have even stricter requirements, especially for volatile stocks. brokerages charge a relatively low interest rate on margin loans in order to encourage investors to buy on margin. A third kind of brokerage account is a discretionary account, which permits the broker to buy and sell shares for the investor without first contacting the investor for approval.

money market mutual fund

An open-end mutual fund which invests only in money markets. These funds invest in short term (one day to one year) debt obligations such as Treasury bills, certificates of deposit, and commercial paper. The main goal is the preservation of principal, accompanied by modest dividends. The fund's Net Asset Value remains a constant $1 per share to simplify accounting, but the interest rate does fluctuate. Money market funds are very liquid investments, and therefore are often used by financial institutions to store money that is not currently invested. Unlike bank accounts and money market accounts, most deposits are not FDIC insured, but the risk is extremely low (only those funds administered by banks are FDIC-insured, but some others are privately insured). Although money market mutual funds are among the safest types of mutual funds, it still is possible for money market funds to fail, but it is unlikely. In fact, the biggest risk involved in investing in money market funds is the risk that inflation will outpace the funds' returns, thereby eroding the purchasing power of the investor's money. also called money fund or money market fund.

Ray has excellent intrapersonal and listening skills and was of tremendous assistance and support in all our interactions. He builds a natural rapport with the customer. One other point about Ray. He is a very seasoned traveler and was exceptionally resourceful, creative and inventive when it came to managing a fluid itinerary and travel logistics over a week long stay in California.

Scumbag, scum, scam,

Get tempted by the seductive ladies at RussianEuro.com.

fund family

mutual fund company offering many mutual funds, for various objectives. Usually, investors can move assets between different funds of a fund family at little or no cost, and can receive a single statement describing their holdings in all the funds in the fund family. also called family of funds or mutual fund family.

Recognize behaviors that torpedo your results. Undermine, Miscommunication is at the root of a majority of workplace and sales dilemmas.

Standard & Poor's Depositary Receipt

SPDR. Shares of a security designed to track the value of the S&P 500. Spiders trade on the American Stock Exchange under the symbol SPY. One SPDR unit is valued at approximately one-tenth of the value of the S&P 500. Dividends are distributed quarterly, and are based on the accumulated stock dividends held in trust, less any expenses of the trust. also called SPDRs or Spiders.

self-directed retirement account

A retirement account in which an investor designates an account custodian but still makes his/her own decisions about what stocks, bonds, and mutual funds to buy. These accounts are usually set up at a brokerage, and the investor is often charged an amount above trading costs for operating a self-directed IRA.

If approved, dapagliflozin would be the first diabetes drug of its kind on the market. Veteran, eunuch, unique,

quanto option

Option in one currency, but which pays out in another. Quanto options are usually used in cases when investors are confident of the underlying asset's performance, but are not confident of the performance of the currency which the underlying is denominated in.

No glove, no love! Glove—condom,

Small Business Administration (SBA)

A Federal agency which makes loans to small businesses. In most cases, the agency itself does not grant the loans, but rather guarantees the loans from other lenders. The majority of loans provided by the Small Business Agency are to allow the small business to take out loans with longer repayment periods, or with less strict requirements than traditional loans. Since the agency was created in 1953 as part of the Small Business Act, it has helped approximately 20 million businesses. Along with providing loans, the agency also engages in other activities, such as helping businesses affected by natural disasters, running a venture capital program, and educating businesses on various issues.

When Novartis trumpeted its $400 million deal to buy Malvern, PA-based Protez Pharmaceuticals back in 2008, the pharma giant spotlighted the small biotech's promising antibiotic PZ-601. Today, however, PZ-601 has been quietly relegated to the shelf.

Special Drawing Right

SDR. An artificial currency unit based upon several national currencies. The Special Drawing Right serves as the official monetary unit of several international organizations and transactions and acts as a supplemental reserve for national banking systems.

Personal Financial Specialist

PFS. A Certified Public Accountant who also offers financial planning services. Personal Financial Specialists must complete an exam, have at least three years of financial planning experience, and submit recommendations before certification. The title is authorized by the American Institute of Certified Public Accountants.

CFA

Chartered Financial Analyst. An individual who has passed tests in economics, accounting, security analysis, and money management, administered by the Institute of Chartered Financial Analysts of the Association for Investment Management and Research. Such an individual is also expected to have at least three years of investments-related experience, and meet certain standards of professional conduct. These individuals have an extensive economic and investing background and are competent at a high level of analysis. Individuals or corporations utilize their services as security analysts, portfolio managers or investment advisors.

forward deal

A transaction consisting of a purchase or sale (often of foreign currency) with settlement to occur at a specified future date. Such a transaction will state the specific amount of the asset to be delivered at the specific time, as well as the unit price at which it will be delivered.

blend fund

A mutual fund whose assets are composed of a combination of stocks, bonds, and money market securities, rather than just one or two of these asset classes. This enables investors to diversify their holdings with a single fund. Since blend funds vary considerably in composition is difficult to make generalizations about their performance or risk level, but usually they are somewhat less risky than stock mutual funds and somewhat more risky than bond funds or money market mutual funds. also called hybrid funds.

Holistic, status quo, intertia on roles, skid row,

comps

In retail, sales at stores which have been open for more than one year. This enables investors to determine what component of the overall sales growth was due to the opening of new stores, and to also track the profitability of individual branches. Same-store sales are also an important factor in deciding how a company should modify its retail strategy.

circus swap

A type of currency swap in which loans in one currency with a fixed-rate are swapped for loans in another other currency with a floating rate. The floating rate in a currency swap is often a floating U.S. LIBOR payment. The "circus" part of the swap stands for Combined Interest Rate and CUrrency Swap. also called cross-currency swap, currency coupon swap.

Mr. Miller, who had trailed badly in local polls in the weeks before the election, benefited from a last-minute flood of advertisements, mailings and automated calls casting Ms. Murkowski as a Democrat in disguise.
President Obama will declare tonight that "it is time to turn the page" toward pressing problems at home. "The United States has paid a huge price to put the future of Iraq in the hands of its people," he says in excerpts released early this evening

It will be like one of our usual Happy Hours where we pay for our own drinks and split the food ~$5-10 each. Please RSVP to me by Saturday.

Sorry for the back and forth.

I cannot wait to see it happen.

Given the challenges of clinical trial success, you can't afford to miss the executive level insights offered at this event. Hope to see you in Boston. along with a balanced presence on both traditional and emerging markets.

Furrow and burrow for more business; count on,

Do you want A or B?---Either way is fine to me! / Your call! /  You are on! Don’t mention it = forget it! Fellatio= licking, service voucher, we will raffle off one iPAD amongst all participants who opt-in for the raffle. Out---oust, sending a sexually explicit memo to the entire company. Planning to, plotting to, 
Have a productive day! Genuine life, fake love. Pls find attached the JD as per request and the position can be based in either Beijing / Shanghai.

Public Securities Association

A pre-established agreement between an investor and a broker that allows the broker to place trades without first notifying the investor. This may be allowable in certain instances where an option or future is about to expire.

PDCA: plan-do-check-action

女人味feminine...男子氣masculine

courtesy of who… skyscraper,  cosmopolis, cosmopolitan,

Ten years ago, companies were looking to outsourcing to China and India merely as a source of extra hands—to tackle problems by brute force. Now, companies are seeing outsourcing as a way to have an extra set of brains as well—more of a collaboration than simply a subcontractor.  

I cannot agree more. = totally agree!

Souvenir, We are now even welcomed with steaming hot coffee and chocolate cookies.

made all alarm bells go off”, freebies,

too many beer need drinking, too many girls need loving. Stay focused. Gross! Hi ladies, who wants to make a mistake tonight? Maybe you should make man up!  Alcoholic, carpool,

Please confirm the manifest with me.

Thanks for passing on her compliments. The fact is not exactly as she describes. Sorry for the fire drill everyone.
2011 Budget Kick off meeting. The pens were used as stuffer in the boxes.
Keep in touch! Stay connected! Enviable! 
Defeat, beat, Charles River will also further reduce discretionary spending.  It will be able to capture a big chunk of the massive autoimmune disease market. Bolster, boost, boom, gridlock, jam, 

 

Zero Balance Account

ZBA. A checking account which always maintains a balance of zero. Whenever the corporation needs to write a check, they transfer money into the account for the exact sum for which the check will be written, so that once the check is cashed there will once again be a balance of zero in the account. This helps the corporation avoid having money in too many different places.

risk margin

A value that takes into account the potential movement of a stock in relation to its option position. A more volatile investment would have a higher risk margin, since the potential for large swings in price is greater than that of a more stable investment.Premium margin and risk margin are the two components comprising the margin requirement.

Mr. Paul becomes the first of the high-profile Tea Party candidates to emerge victorious from a nasty and contentious campaign.

Beige Book

Report on current economic conditions, published by the Federal Reserve Board eight times each year. The Beige Book is part of the Federal Open Market Committee's preparations for its meetings. The report is released two Wednesdays before each FOMC meeting at 2:15 pm EST. The book is a summary of economic conditions in each of the Fed's regions. The report is primarily seen as an indicator of how the Fed might act at its upcoming meeting.

If I can do anything to help you, Please feel free drop me a note. Thanks to the web, the biotech scene is teeming with writers with lots of insights to offer on the latest news and trends.

Today marks the official beginning of the FDA's marathon run toward a new set of regulations to govern the development of biosimilars.

Today marks the beginning of the xxx’s marathon run toward …

took another big step/stride toward a new drug application. It is now poised for a regulatory filing in the third quarter of next year.

Underscoring the rapid global shift of drug R&D into China, Eli Lilly ($LLY) today announced plans to set up a new research center in Shanghai that will initially hire up about 100 scientists and support staff to explore new therapies for diabetes and its twin co-morbidities--obesity and cardiovascular disease. Shanghai native Bei Betty Zhang will head the new research center, which will open in the second half of next year and actively pursue therapies that "better control blood glucose levels without hypoglycemia, along with diabetes therapies that address co-morbid conditions such as cardiovascular disease and obesity," Lilly says in a release.

Incyte is also raking payments from a $755 million rheumatoid arthritis drug deal. Since then the developer has received two hefty milestone payments.

In lieu of a signature, we require a personal identifier.

bellweather

A stock or bond that is widely believed to be an indicator of the overall market's condition. A bellwether company is often one of the most prominent companies in its field. Called "barometer stock" in the United Kingdom.

Public, pubic, peanut,

Sonnet no. 18
Shall I compare thee to a summer's day?
Thou art more lovely and more temperate.
Rough winds do shake the darling buds of May,
And summer's lease hath all too short a date.
Sometime too hot the eye of heaven shines,
And often is his gold complexion dimmed;
And every fair from fair sometime declines,
By chance or nature's changing course untrimmed.
But thy eternal summer shall not fade,
Nor lose possession of that fair thou ow'st,
Nor shall Death brag thou wand'rest in his shade,
When in eternal lines to time thou grow'st.
    So long as men can breathe or eyes can see,
    So long lives this, and this gives life to thee.


by William Shakespeare




文言译文:
   
美人当青春,婉丽自销魂。
   
焉知东风恶,良辰讵待人?
   
朝日何皋皋,暮色何昏昏。
   
众芳俱摇落,天意倩谁询?
   
我有丹青笔,腾挪似有神。
   
为君驻颜色,风霜不可侵。
   
丹青亦难久,罔若诗与琴?
   
延年歌一曲,万古扬清芬。

白话译文:
   
我能否将你比作夏天?
你比夏天更美丽温婉。
狂风将五月的蓓蕾凋残,
夏日的勾留何其短暂?

休恋那丽日当空,
转眼会云雾迷蒙。
休叹那百花飘零,
催折于无常的天命。

唯有你永恒的夏日常新,
你的美亦将毫发无损。 
死神也无缘将你幽禁,
你在我永恒的诗中长存。

只要世间尚有人类,尚有能看的眼睛,
这诗就将流传,赋予你新的生命。

 

I have to say that the paucity of communication surrounding this project and others placed with your company is of concern.

settlement options

The different methods for paying out a benefit available to beneficiaries when an individual covered by a life insurance policy dies. The simplest method is a lump sum payment of the value of the policy. It is also possible to leave the entire settlement with the insurance company and collect interest, retaining the right to withdraw principal funds at any time. Payment schedules are also available based on payment amount or duration. In either case, interest will accrue on the money that remains with the insurance company. There are also a range of options that pay benefits over the entire life of the beneficiary.

writing naked

Risky?investment strategy employed by?option writers that allows them to?sell options without owning the?underlying security. This?tactic can?lead to large?profit or?loss depending on the direction that?option writer projected and the actually direction that the?security takes.

Vom, naughty, nice place is not lasted! Watch and wait! Million-dollars question = most important question. Your call! It is not our call! (不是我们决定得了的)

 

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