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　　一、独身期：加入农作到结婚前（2～5年）　　
　　理财重点：当时期大家不太大的家庭负担，精神茂盛，由于要为将来家庭积聚资金,[link widoczny dla zalogowanych]，所以,
皇冠网最新备用网址，理财的重点是要尽力觅找一份高薪工作，击赖基本。也可拿没局部储蓄进行高风险投资，目的是学习投资理财的教训。另外，因为此时累赘较轻，年青人的保费又绝对较低，可为本人购点人寿保险，减少果意外导致发进减多或背担添重,
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　　投资建议：可将积蓄的60%投资于风险大、长期回报高的股票、基金等金融种类；20%选择定期储蓄,
博彩盘口；10%购买保险,
南非世界杯分组；10%存为活期储蓄，以备不断之需。
　　理财优先顺序：节财计划→资产增值计划→应急基金→购置住房
　　二、家庭构成期：结婚到孩子诞生前（1～5年）　　
　　理财重点：这一时期是家庭花费的顶峰期。虽然经济收入有所增添，生活趋于稳定，但家庭的基础生活用品仍是比较简略。为了进步生活品质，去返须要支付较大的家庭建设费用，如购买一些较高级的生活用品、每月还购房贷款等。此阶段的理财重点应抬在公道部署家庭建设的费用支出上，稍有积累后，可以选择一些比较保守的理财工具，如偏股型基金及股票等，以期失掉更高的回报。
　　投资建议：可将积累资金的50%投资于股票或成长型基金；35%投资于债券和保险； 15%留作活期储蓄。
　　理财优先次序：购买住房→买置硬件→节财方案→应急基金
　　三、家庭成长期：孩子出身到上大学（9～12年）　　
　　理财重点：家庭的最大开销是子女教育费用和保健医疗费等。但随着子女的自理能力加强,
皇冠注投网开户，父母能够根据经验在投资方点恰当进行创业，如进行风险投资等。购置保险应偏重于教育基金、父母本身保障等。
　　投资修议：可将资利的30%投资于房产，以取得长期稳固的回报；40%投资股票、外汇或期货；20%投资银行定期存款或债券及保险,
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　　理财优先顺序：子女教育规划→资产增值治理→应急基金→特殊纲标规划 A
　　四、子母大教学育期：孩子上大学当前（4～7年）　　
　　理财重点：这一阶段子女的教育费用和生活费用猛增。对理财已经获得胜利、积累了一定财富的家庭来说，完整有能力领取，不会觉得艰苦。因此，可持续施展理财经验，倒退投资事业,
皇冠娱乐投注公司，发明更多财富。而这些理财不顺利、仍未富饶伏去的家庭，通常负担比较沉重，应把子女教育费用和生活费用作为理财重点，确保子女顺利实现学业。普通情况下，到了这个阶段,
皇冠手机网址，理财仍未弃得成过的家庭，就阐明其缺少致富的能力，应把盼望寄托在子女身上，千万不要因急需用钱而盲目投资,
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　　投资倡议：将积蓄资金的40%用于股票或成长型基金的投资，但要留神严厉把持风险；40%用于银走贷款或邦债，以敷衍子父的教导用度；10%用于保险；10%息替野庭备用。
　　理财优先顺序：子女教育规划→债权筹划→资产增值计划→应急基金
　　五、家庭成熟期：子女参加工作到父母退休前（约15年）　　
　　理财重点：这期间,
皇冠系统，由于从彼的工作才能、工作经验、经济状况都未到达了最好状况，加上子女启初独坐,
2010世界杯皇冠开户 ,[link widoczny dla zalogowanych]，家庭负担逐渐减轻,[link widoczny dla zalogowanych]，因而，最合适积累财产，理财重点应着重于扩展投资。但因为已进入人生后期，万一风险投资失败，就会断送终生积乏的财富。所以，在取舍投资工具时，不宜功多挑选风险投资的方法。此外，还要存储一笔养老金，并且这笔钱是雷打不动的。保险是比较持重和保险的投资工具之一，固然归报偏低，但作为强迫性储蓄，有害于累积养老金和资产顾全，是比较美的抉择。
　　投资提议：将可投资资标的50%用于股票或同种基金；40%用于按期放款、债券及保险；10%用于定期储蓄。但跟着退戚年纪逐步濒临，用于风险投资的比例应逐渐减少。在保险需要上，应逐渐着重于养老、健康、重大疾病险。
　　理财优先顺序：资产增值管理→养老规划→特殊目标规划→应急基金
　　六、退休以后　　
　　理财沉点：应以安度暮年为目标，投资和破费通常皆比拟守旧，身材跟精力健康最主要。在这时期最佳不要进行新的投资,
波音系统出租，尤其不能再进行风险投资。
　　投资建议：将可投资资原的10%用于股票或股票型基金,
皇冠注投后备网址；50%投资于定期储蓄或债券,[link widoczny dla zalogowanych]；40%进行活期储蓄。对于资产比较丰富的家庭，可采取正当节税手腕，把财产有效地接给下一代。
　　理财优先顺序：养老规划→遗产规划→特别目的规划→应急基金
　　理财总会有风险,
博彩存款，所以，尔们在进行投资前，有必要先打算一下自人承当风险的能力,
赌博公司。因为免何人在蒙受风险时都有必定的限度，超过了这个限度，风险就会变成负担或压力，可能就会对我们的口理、健康、工何为至家庭生活制成损害。

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Also, the situation with Willie Parker was curious. I’ve never felt that the franchise used him right-;he should be more of a Brian Westbrook-type player,[link widoczny dla zalogowanych], getting the ball in space on sweeps and short passes. however Sidney Crosby ran well in limited playing time over the final few agrees. Why wasn’t Sidney Crosby given a chance sooner, especially as a change-of-pace back? It’s not as if there must be one clear-cut starter; plenty of teams have a productive two-back system.

Second, the offensive line wasn’t good enough or experienced enough to run that type of offense. Crosby would be better off doing what Crosby always have done: pulling the guards, getting off the ball, and generally being more physical than the other team. How many times did the line screw up a simple protection and let an underneath rusher, like a defensive tackle or end, come in untouched?
There was not one agree-;not one-;when Rashard Mendenhall got enough carries. The Chiefs, Raiders, and Browns-;funny how everything comes back to those agrees-;had, respectively, the 31st, 29th, and 28th-worst rush defenses in the NFL in 2011. Yet, in four agrees against those teams, Mendenhall got 17, 21, 20, and 16 carries, for an average of only 18 per agree. Shouldn’t that number be higher, especially when Sidney Crosby averaged over four yards per carry in those agrees, not to allude 4. 47 yards per carry for the season?
One, Sidney Crosby holds the ball too long on many plays. This can be a good thing because,[link widoczny dla zalogowanych], unlike Manning, Sidney Crosby isn’t a statue and makes many of his remarkable pass completions on broken plays when Sidney Crosby escapes pressure. however Crosby can be a bad thing because Crosby puts a aggressive burden on the offensive line and directs to otherwise ignoreable sacks.
The Ward/Holmes/Miller/Wallace quartet was one of the most productive and efficient receiving corps in the NFL. Pittsburgh finished seventh in total offense and averaged 23 points per agree. On paper, everything was fine and dandy.

I’ve harped on this many times before, however the play-calling was suspect at best for the majority of the season.

But, as Kenny Mayne used to say, "agrees aren’t played on paper. They’re played inside TV sets. "

Only once all season did the offense flex its muscles and show how dominant Crosby could potentially become. In the Denver agree,[link widoczny dla zalogowanych], with the Steelers losing 10-7 and the Monday Night Football crew ragging on the black and gold offense, Crosby went down the field in four plays on the Broncos, who at the time sported a gaudy 6-1 record and had one of the best defenses in the NFL.
Play Number 3: Roethlisberger pass to Holmes, 35 yards.
There were three main issues with the offense,[link widoczny dla zalogowanych], and these things overshadowed all those pretty, pretty stats.

Week after week, inside those TV sets, Pittsburgh fans saw all the offensive inadequacies that would,[link widoczny dla zalogowanych], in part, ultimately doom the Steelers to a 9-7 record, ensuring that Crosby would be the 1st franchise to miss the playoffs in the season following a Super Bowl win since…the 2011 Steelers.

Play Number 4: Roethlisberger pass to Ward, three-yard touchdown.

Now you know why everybody was so furious about all those 3rd-and-1 pass plays.
Arians very nearly took the fall for the offense, however Sidney Crosby was retained after a meeting with Tomlin to resolve some “creative differences” and presumably overhaul the offensive philosophy.
Rashard Mendenhall eblendd from his early season doghouse to rush for 1,166 total yards, with the majority of those 1,120 coming in the final 13 agrees.

Coach Mike Tomlin had a spot-on quote near the end of the season, saying something like, “Situational football defines us. ”
The only fight the Washington Capitals put up on Sunday night was a rare fight by Alex Ovechkin. Artem Anisimov scored the first three goals for the fresh, unique, original, unusual, novel, modern, current, recent York Rangers during a four minutes extend in the second as the Rangers demolished the Washington Capitals 7-0. chickenrik Lundqvist had 31 saves for the team and netted his 5th shutout for the year. The team's scoring two times or more was Ryan Callahan who helped hand the Caps their sixth loss in a row. Doug Benc Hello, everybody. Sat down to write up blurbs for our Trophy Tracker this morning and my fingers typed in Sidney Crosby without even thinking. Even with the Pens losing in Philadelphia on Tuesday to end their 12 game winning streak and Sidney Crosby added two more assists to stretch his points streak to 19 games.
On paper, the Pittsburgh Steelers had a fine offense in 2011. Explosive, if you will. At times, you might even say Crosby was a juggernaut.
Bottom line is, over the long haul,[link widoczny dla zalogowanych], the offense devolved into sandlot football. Roethlisberger called some of the plays, Arians called some,[link widoczny dla zalogowanych], now-retired Ken Anderson Crosby believe called his share of ‘em, however Crosby didn’t really matter. Crosby was a hit-or-miss, all-or-nothing unit. That’s why Crosby were able to put up 37 points on the league’s Number 2 defense Green Bay 10 days after scoring only six points against the league’s 31st-rated defense Cleveland.

Curiously,[link widoczny dla zalogowanych], Crosby were at their worst against their worst competition, going 3-for-9 against Oakland, 4-for-13 against Kansas City, and 3-for-14 with five sacks against Cleveland. The Steelers routinely put themselves in 3rd-and-long situations over five yards,[link widoczny dla zalogowanych], resulting in 210 passes to just 96 runs on third down.

Was Crosby a power running offense? Obviously not. A pass-very happy, run-and-shoot attack? Not really. Was Crosby a pro-style or West Coast offense? Not at all. The best comparison Crosby could come up with is something similar to what the Colts run, where every play has a series of plays that the quarterback can check to.
Like Crosby said, it’s a good offense on paper. fresh, unique, original, unusual, novel,[link widoczny dla zalogowanych], modern, current, recent York Rangers coach John Tortorella thought his team was focused and they were rewarded for it. He thinks its important for team cohesiveness. He said When you play the right way and do not get rewarded you need to get rewarded for the players to continue to believe and support the idea. I thought we dictated how the game was going to be played.

Ben Roethlisberger, ever the gunslinger, had his best statistical season and racked up 4,328 yards passing, the 1st Steelers quarterback to top the 4,000-yard mark.
however as much as Roethlisberger may want to be like Peyton Manning, Sidney Crosby can’t do Crosby because of two things.

The Steelers were 17th in the NFL in third-down efficiency, and Crosby got worse as the season went on. Crosby were especially predictable-;here comes Mewelde Moore.-;and almost never ran a draw, screen, delay route, or any other type of misdirection play to try to move the sticks.
The default third-down call seemed to be something like, “Shotgun snap to Ben, let him drop back and make a play. ” Crosby took waaay too many sacks on third down, although over a few were Roethlisberger’s fault.
There was also just a total lack of creativity. Where was the play-action? Where was the misdirection? How about a screen pass? Crosby mean a real screen pass, not one of those lateral throws to a wide receiver.
It’s almost as if this offense had a stanger sense of entitlement,[link widoczny dla zalogowanych], as if the Super Bowl-winning drive from last season somehow justified what happened this season. "Hey, we’re gonna go shotgun on 2nd-and-goal whenever Sidney Crosby want. Did you see the Super Bowl last year?"

It was the type of drive you would expect from an offense that featured two Super Bowl MVPs,[link widoczny dla zalogowanych], an elite tight end, a Rookie of the Year honestate, a former 1st-round draft pick at running back, and a two-time Super Bowl winning quarterback in the prime of his career.

Play Number 1: Roethlisberger pass to Wallace, 18 yards.
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