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2025 年 6 月 26 日  星期四   晴天


報名基礎文憑的費用迷思:你應該知道的真相 分類: 未分類

破解報名費的迷思

在報名基礎文憑課程時,許多學生和家長往往對報名費存在各種誤解。有人認為報名費越高,課程品質越好;也有人誤以為繳了報名費就一定能錄取。這些迷思可能導致錯誤的決策,甚至讓有潛力的學生錯失機會。本文旨在澄清這些常見的誤解,提供正確的資訊,幫助讀者理性看待報名費,並做出明智的選擇。

報名費越貴,課程品質越好?

這是一個常見的迷思,但真相是報名費的高低並不能直接反映課程的品質。以香港高級文憑課程為例,不同院校的報名費可能從幾百元到上千元不等,但這並不意味著費用高的課程就一定更好。課程品質的關鍵在於師資、課程內容和學生評價。

  • 師資:優秀的講師團隊是課程品質的保證。例如,都會大學護理高級文憑的講師多為業界資深人士,擁有豐富的臨床經驗。
  • 課程內容:課程是否與時俱進,是否符合行業需求?例如,香港高級文憑課程通常會定期更新內容,以適應市場變化。
  • 學生評價:過往學生的反饋是重要的參考指標。可以通過學校官網或社交媒體了解學生的真實體驗。

因此,在選擇課程時,不應單純以報名費高低作為判斷標準,而應綜合評估課程的實際價值。

報名費繳了就一定能錄取?

另一個常見的誤解是認為繳了報名費就等於獲得錄取資格。事實上,報名費僅是報名的必要條件之一,並不能保證錄取。錄取標準通常包括學歷、工作經歷和面試表現等多方面因素。

以都會大學護理高級文憑為例,報名費約為500港元,但錄取率僅為30%左右。學校會根據申請者的學歷背景(如中學成績)、相關工作經驗(如護理實習)以及面試表現(如溝通能力和專業知識)進行綜合評估。因此,即使繳了報名費,仍需認真準備申請材料,才能在競爭中脫穎而出。

報名費不能退?

許多人認為報名費一旦繳納就無法退還,但實際上,特定情況下是可以申請退費的。退費規定因院校而異,常見的退費情況包括:

情況 退費可能性
課程取消 全額退費
申請者主動取消報名(在截止日期前) 部分退費
重複繳費 全額退費

例如,香港某高級文憑課程規定,若申請者在報名截止前取消申請,可退還50%的報名費。因此,在報名前應仔細閱讀院校的退費政策,以免造成不必要的損失。

報名費是一次性收費?

許多學生誤以為報名費是唯一的費用,但實際上可能還有其他隱藏費用。這些費用包括文件處理費、審核費、考試費等。例如,報名香港高級文憑課程時,除了基本的報名費外,還可能需要支付:

  • 文件處理費:約200港元
  • 審核費:約300港元
  • 考試費:視課程而定,可能高達1000港元

因此,在規劃預算時,應將這些潛在費用納入考慮,避免因資金不足而影響報名進度。

沒錢就不能報名基礎文憑?

經濟困難不應成為阻礙學習的障礙。香港政府和許多院校提供了多種補助或減免方案,幫助有需要的學生完成基礎文憑報名。例如:

  • 政府資助:香港的「免入息審查貸款計劃」可為合資格學生提供學費貸款。
  • 院校獎學金:都會大學護理高級文憑設有多項獎學金,成績優異或經濟困難的學生均可申請。
  • 分期付款:部分院校允許學生分期繳納報名費,減輕經濟壓力。

因此,即使經濟條件有限,也不應輕易放棄報名機會。積極尋找資源,充分利用現有的支援措施,才能實現學習目標。

理性看待報名費,做出明智決策

報名費只是選擇課程的一個小環節,不應讓它成為決策的主要障礙。通過本文的澄清,希望讀者能更理性地看待報名費,並根據課程的實際價值、個人需求和經濟能力做出明智的選擇。無論是報名都會大學護理高級文憑還是其他香港高級文憑課程,都應以長遠的職業規劃為導向,而非短期的費用考量。



2025 年 5 月 23 日  星期五   晴天


2x4 LED Flat Panels: A C 分類: 未分類

Introduction to 2x4 LED Flat Panels

2x4 LED flat panels are a modern lighting solution designed to replace traditional fluorescent troffers in both residential and commercial settings. These panels measure 2 feet by 4 feet, making them a perfect fit for standard ceiling grids. They utilize light-emitting diodes (LEDs) to produce bright, uniform illumination with minimal energy consumption. Unlike conventional lighting, are known for their slim profile, sleek design, and versatility in various environments.

Choosing LED over traditional lighting options like incandescent or fluorescent bulbs offers numerous advantages. LEDs are significantly more energy-efficient, consuming up to 75% less electricity while delivering the same or better light output. In Hong Kong, where energy costs are high, switching to LED lighting can lead to substantial savings. Additionally, LEDs do not contain hazardous materials like mercury, which is commonly found in fluorescent bulbs, making them a safer and more environmentally friendly choice.

Common applications for 2x4 LED flat panels include offices, homes, retail stores, and educational institutions. In office settings, these panels provide glare-free lighting that enhances productivity and reduces eye strain. For homes, they offer a modern aesthetic and can be used in kitchens, living rooms, or even garages. Retail spaces benefit from their high color rendering index (CRI), which ensures that products appear vibrant and true to color under the light.

Benefits of Using 2x4 LED Flat Panels

One of the most significant benefits of 2x4 LED flat panels is their energy efficiency. According to data from the Hong Kong Energy Efficiency Office, LED lighting can reduce energy consumption by up to 50-70% compared to traditional lighting systems. This translates to lower electricity bills and a reduced carbon footprint. For businesses, this means significant cost savings over time, especially in large installations.

Another advantage is the long lifespan of LED panels. Most last between 50,000 to 100,000 hours, which is significantly longer than fluorescent or incandescent bulbs. This reduces the need for frequent replacements and maintenance, saving both time and money. In a busy office environment, this reliability is invaluable.

The light quality of LED panels is also superior. They provide consistent brightness without flickering, which is common in fluorescent lights. The color temperature options range from warm white (2700K-3000K) to cool white (4000K-5000K) and daylight (5000K-6500K), allowing users to customize the lighting to suit their needs. High CRI values (typically above 80) ensure that colors appear natural and vibrant, making these panels ideal for tasks that require accurate color perception.

From an environmental perspective, LED panels are a sustainable choice. They produce less heat, reducing the load on air conditioning systems, and are fully recyclable. In Hong Kong, where environmental awareness is growing, many businesses and homeowners are opting for LED lighting to align with green building standards and sustainability goals.

Types of 2x4 LED Flat Panels

There are several types of 2x4 LED flat panels to choose from, each with unique features. Edge-lit panels have LEDs positioned around the edges, which distribute light evenly across the panel. This design is sleek and energy-efficient, making it popular for office spaces. Back-lit panels, on the other hand, have LEDs mounted directly behind the diffuser, providing brighter and more direct illumination. These are often used in areas where higher light output is needed, such as retail stores or warehouses.

Dimmable panels offer flexibility in controlling light levels, which is useful in environments like conference rooms or living spaces where adjustable lighting is desired. Non-dimmable panels are simpler and more cost-effective, suitable for areas with consistent lighting needs. When selecting a panel, consider the color temperature that best suits the space. Warm white creates a cozy atmosphere, while cool white and daylight are better for task-oriented areas.

Mounting options include surface mount, recessed, and suspended. Recessed panels are installed into the ceiling grid, providing a seamless look. Surface-mounted panels are attached directly to the ceiling surface, ideal for spaces without a drop ceiling. Suspended panels hang from the ceiling using cables or chains, often used for decorative purposes or in high-ceilinged areas.

Installation Guide for 2x4 LED Flat Panels

Before installing 2x4 LED flat panels, it is essential to take safety precautions. Always turn off the power at the circuit breaker to avoid electrical shocks. Use a voltage tester to confirm that the power is off before proceeding. Wear protective gear, such as gloves and safety glasses, to prevent injuries.

The tools and materials needed for installation include:

  • A screwdriver
  • Wire strippers
  • A ladder
  • Mounting brackets (if required)
  • Electrical tape
  • Wire nuts

For recessed installation, follow these steps:

  1. Remove the existing fluorescent troffer or ceiling tile.
  2. Connect the LED panel's wires to the ceiling wiring using wire nuts.
  3. Secure the panel into the ceiling grid using the provided clips or brackets.
  4. Turn the power back on and test the panel.

For surface mount or suspended installation, the process varies slightly. Surface mount panels require drilling holes into the ceiling and securing the panel with screws. Suspended panels need additional hardware, such as cables or chains, to hang the panel at the desired height.

Common issues during installation include flickering lights or panels not turning on. These can often be resolved by checking the wiring connections or ensuring the power supply is compatible with the LED panel. If problems persist, consult the manufacturer's troubleshooting guide or contact a professional electrician.

Choosing the Right 2x4 LED Flat Panel for Your Needs

When selecting a 2x4 LED flat panel, consider the size of the room and its lighting requirements. Larger spaces may need panels with higher lumen output, while smaller rooms can suffice with lower wattage. For example, a typical office requires around 500 lux of illumination, which can be achieved with a 40-watt LED panel.

Evaluate the wattage and lumen output to ensure the panel provides adequate brightness. A higher lumen count means brighter light, but it's essential to balance this with energy efficiency. Look for panels with certifications like ENERGY STAR or DLC, which indicate high performance and eligibility for rebates. In Hong Kong, some utility companies offer rebates for upgrading to energy-efficient lighting, making certified panels a cost-effective choice.

Reading customer reviews and comparing brands can help identify reliable products. Popular brands like Philips, Cree, and Lithonia are known for their quality and durability. Check for warranties, as longer warranty periods often reflect the manufacturer's confidence in their product.

Where to Buy 2x4 LED Flat Panels

2x4 LED flat panels are available from various sources. Online retailers like Amazon, eBay, and specialized lighting websites offer a wide selection with detailed product descriptions and customer reviews. These platforms often provide competitive pricing and delivery options, making them convenient for bulk purchases.

Local hardware stores in Hong Kong, such as Wellcome Lighting or Practical LED, stock LED panels and can provide expert advice. Visiting a store allows you to see the panels in person and assess their quality before buying. Electrical supply companies are another option, particularly for commercial buyers needing large quantities or customized solutions.

The Future of Lighting with 2x4 LED Flat Panels

As technology advances, 2x4 LED flat panels are expected to become even more efficient and versatile. Innovations like smart lighting integration, where panels can be controlled via smartphones or voice assistants, are already gaining popularity. The push for sustainability and energy efficiency will likely drive further adoption of LED lighting in both residential and commercial sectors.

In Hong Kong, where space and energy are at a premium, the benefits of LED panels make them an ideal choice. Their combination of cost savings, environmental friendliness, and superior light quality ensures they will remain a staple in modern lighting solutions for years to come.2x4 flat panel led lights



2025 年 3 月 21 日  星期五   晴天


How often should you vacuum? 分類: 未分類

How often should you vacuum?

The more traffic a room gets, the more frequently it needs to be vacuumed. For example, bedrooms and home offices should be vacuumed weekly. Areas with high traffic, such as the kitchen, living room, and children's playrooms, should be cleaned at least twice a week.

Does Dyson really clean the air?

Dyson purifiers use HEPA filters to capture 99.97% of airborne particles as small as 0.3 microns, including pollen, dust, pet dander, and smoke. Some models also remove volatile organic compounds (VOCs) and formaldehyde.

How often should I dust my PC?

It's inevitable that dust will end up in your system-whether you use it all the time or play once a week, gaming computers love dust. We suggest you clean your computer every three to six months to keep your system looking its best and to prevent a significant reduction in your PC's lifespan.

Is a 600 watt vacuum powerful?

Most conventional household vacuum cleaners have wattage ratings ranging from around 600-2000W. If you're looking for a vacuum cleaner with powerful suction, you may want to consider one with higher wattage. A higher wattage often indicates a more powerful motor and potentially better suction.

How long should you use a vacuum?

A reliability survey by Consumer Reports revealed that a vacuum cleaner's average life expectancy is eight years. However, this depends not only on the brand but also on how you use the vacuum.

Is it safe to vacuum your laptop keyboard?

The short answer is yes-you can use a vacuum to suck out all the crumbs and debris, but be careful. Many keyboards have pop-off keys that a standard home vacuum might easily suck up. A better idea is to use a USB-powered vacuum designed for keyboard cleaning.迷你吸塵機

Which vacuum cleaner has best suction?

The best upper mid-range vacuum with good suction we've tested is the Dyson Ball Animal 3. This bagless vacuum isn't as sturdily built as the Miele Complete C3, with a mainly plastic body that creaks and flexes while in use, which is pretty disappointing for something this expensive.

What brand vacuum is the best?

The quick list
Best of the best. Shark Stratos Cordless. View at Amazon. ...
Best budget. Roidmi R10. Check Amazon. ...
Best premium. Dyson V15 Detect Absolute. View at Amazon. ...
Best robot. iRobot Roomba Combo J7 Plus. View at Amazon. ...
Best vacuum and mop. Tineco Floor One S7 Pro. View at Best Buy. ...
Best cylinder. Shark Bagless Cylinder Pet.
steam cleaner

Do vacuums spit out dust?

Regardless of the type of vacuum cleaner you're using: Robotic, canister, upright, or handheld, it can spit stuff back out due to the following issues: Clogs.

Can your lungs get rid of dust?

Pneumoconiosis is caused by breathing in large amounts of certain types of dust over a long time. Your lungs can't get rid of all these dust particles. So they cause inflammation in your lungs. Over time this can lead to scar tissue.吸塵器



2025 年 3 月 5 日  星期三   晴天


HN019是什麼? 分類: 未分類

HN019是什麼?

簡單分辨的方法:菌種是一長串的英文學名,而以簡短英文縮寫或數字縮寫如HN019,NCFM則為菌株的編號. 菌株經臨床研究證實健康作用,才會被賦予名稱. 以乳雙岐桿菌(Bifidobacterium lactis)來說,HN019就是具備國際期刊50篇以上的研究與應用,以及嚴謹人體實驗,證實可幫助排便順暢.

羅伊氏乳桿菌263有效嗎?

羅伊氏乳桿菌GMNL®-263能與腸道內的壞菌競爭,避免壞菌釋放出發炎物質,並產生幫助脂肪代謝的許多因子,且全面降低體內氧化壓力. 除此之外,羅伊氏乳桿菌GMNL®-263產品更取得國家健康食品之不易形成體脂肪及調節血脂認證,是一個兼顧品質與體感的益生菌產品選擇.照胃鏡費用

比菲德氏菌是乳酸菌嗎?

屬於乳酸菌的一種,經常用來讓起司或優格發酵. 比菲德氏菌是一種分布於人體大腸內的益菌,在正常的狀態下,乳酸菌約佔腸內細菌的二成.

胃食道逆流會根治嗎?

輕度胃食道逆流症者,經過數月的藥物治療,症狀消失後可以痊癒停藥,但食道裂孔疝氣或賁門鬆弛患者,若合併重度逆流性食道炎,往往需要長期地維持藥物. 長久逆流性食道炎可能會有3-5%併發巴瑞特氏食道,黏膜變性後每年有0.5%的風險罹患食道癌,需定期追蹤. 反覆發炎的患者也有極少數會造成食道管腔纖維化狹窄.

喝到壞掉的牛奶會怎樣?

有些人可能會沒注意有效期限就喝下過期牛奶,結果引起噁心,嘔吐或腹瀉等不適症狀,當出現上述症狀時請盡速就醫,防止症狀進一步惡化,不要以為只是拉肚子,過一段時間就會緩和,有時候甚至會演變為食物中毒,進一步造成器官受損. 另外,在急性腹瀉的期間,也要注意補充水分與電解質,防止水分流失過多導致脫水或電解質不平衡.

4+2R可以喝什麼?

在4+2R飲食法中要記住「高蛋白食物+大量飲水」是非常重要的,R1期就是要先幫身體進行排毒,降低身體壞菌,R1時期(大約3天)只能喝流質飲,包括水,無糖豆漿,高蛋白粉-,無糖黑咖啡跟綠茶也都可以喝,但要喝更多的水量才行因為咖啡因會加速排出水分,而身體需要留住水分來幫助體內循環代謝.洛德因乳酸桿菌

過期的牛奶可以做什麼?

牛奶剛過期,丟掉好浪費? 11個小撇步教你牛奶再利用
過了有效期限的牛奶
面膜將化妝棉沾濕牛奶後當成面膜敷貼在全臉上,會有水分供給的效果. ...
清洗金飾將牛奶溫熱後,把已經沒有光澤的金飾泡在牛奶裡10∼20分鐘左右,接著拿出來後用水清洗乾淨.
更多項目...•

胃食道逆流吃益生菌會改善嗎?

補充益生菌不僅不會增加胃酸,反而有助於預防胃酸逆流狀況發生. 若食道微生態失去平衡,可能導致胃食道逆流症狀發生,並進一步活化發炎反應. 益生菌可透過調節食道微生物與腸道微生物組成來幫助緩解胃酸逆流,改善腸道與食道組織中,和營養物質與酵素之間的相互作用,調節微生態菌叢,維護消化道系統的平衡.

益生菌需要長期食嗎?

要透過益生菌來保健腸道,需要一定的時間才能達成,也因此益生菌必須每天定時定量,長期吃才能起作用. 至於益生菌吃多久才好呢? 一般來說,會建議要持續吃3-6個月,不過在食用益生菌的同時,也應每天攝取足夠的蔬果,膳食纖維,全穀類等益生菌喜愛的食物,如此一來才能做好健康維持,打造出優質的腸道環境.

益生菌跟乳酸菌有什麼不同?

益生菌包含乳酸菌,但乳酸菌並不等於益生菌. 乳酸菌是一種能產生乳酸的細菌,通過發酵糖類產生乳酸,能代謝糖類,產生50%以上乳酸的細菌,如乳酸桿菌等,有助增加消化道內好菌. 益生菌包含乳酸菌,可通過耐酸,耐膽鹽及對健康真正有益的特殊菌株才能稱為益生菌.



2024 年 12 月 16 日  星期一   晴天


Why does Florida replace windshi... 分類: 未分類

Why does Florida replace windshields for free?

One reason for the law is to protect the public. Broken, chipped, and cracked windshields can cause traffic accidents. It is in the public's best interest that drivers repair windshield damage immediately.

Can a long crack in a windshield be repaired?

Repairing a long crack correctly on your windshield requires specific tools and experience with specific long crack resins. Typically, though it is by far much easier than a replacement and it can be easily done on cracks up to 18 inches long with the right tools and resins.打風爆玻璃保險

Does WD-40 remove water spots on car glass?

WD-40® Multi-Use Product is great when it comes to mirror cleaning and water spot removal. It is easy to use and all you have to do is spray the liquid on to the affected area and wipe it clean with a clean cloth. It will leave your glass windows and mirrors sparkling clean and as good as new.

What is Type 1 Type 2 and Type 3 glass?

Type I – borosilicate glass. Type II – treated soda-lime glass. Type III – regular soda-lime glass.

How do you clear stained glass?

The safest method for cleaning stained glass window is using a foam spray cleaner like Sprayaway and a microfiber towel.

How is glass classified?

Glass is an amorphous solid. Although the atomic-scale structure of glass shares characteristics of the structure of a supercooled liquid, glass exhibits all the mechanical properties of a solid.

Is windscreen covered by insurance?

If you have comprehensive car insurance, it may already include windscreen cover, but you'll have to check your policy to be sure. Some insurance providers offer windscreen insurance as standard, while others offer it as an add-on you pay extra for. Some insurance providers might not offer windscreen cover at all.家傭保險

Can a pitted windshield be repaired?

Unfortunately, there is no surefire repair solution for windshield pitting or worn glass. Your best option, and perhaps the only solution, is to replace the entire windshield. If the pits are minor or just starting to form, the glass can be smoothed over.

How do I know if my windscreen is cracked or scratched?

A Quick Test. While you can't always tell by looking if the damage to your windshield is a scratch or a crack, you can get an idea of what you're dealing with by touching it. Unless they're very deep, scratches won't catch a fingernail when dragged across them.

How long does it take for windshield sealant to cure?

Depending on weather conditions, temperature, humidity and the adhesive used, it can take between 30 minutes and 24 hours for the adhesive to cure to a safe vehicle drive away time.



2024 年 11 月 4 日  星期一   晴天


外国人ゎ日本ザ支払よ最良ソ方法ゾ何ザエろ? 分類: 未分類

外国人が日本で支払う最良の方法は何ですか?

日本の外国人にとって最高の決済アプリは何ですか?
PayPay。 PayPayは日本を代表するQRコード決済アプリです。 ...
楽天ペイ (R ペイ) R ペイとしても知られる楽天ペイは、2016 年末に開始され、楽天の広範なエコシステムに統合されています。 ...
ラインペイ。・・・
メルペイ。 ...
ウェブマネー。

日本で最もよく使われている支払い方法は何ですか?

日本では依然として現金が主要な支払い方法であり、どこでも円が使えます。

電子決済アプリとは何ですか?

デジタルウォレット支払い

顧客のアカウント情報を電子的に保存する金融アプリはデジタルウォレットと呼ばれます。 PayPal、Apple Pay、Google Pay、Samsung Pay などのデジタル ウォレットを使用すると、顧客は携帯電話やタブレットを使用して商品の支払いをしたり、支払い履歴を追跡したりできます。

インターネット バンキングなしで PayNow に登録できますか?

インターネットまたはモバイル バンキングを利用していない場合は、銀行に直接連絡して PayNow に登録できます (連絡先の詳細と Web サイトは付録 B にあります)。信用卡收款平台

電子決済の例にはどのようなものがありますか?

最も一般的な電子支払い方法には、ACH、デビット カード、クレジット カード、電信送金、銀行振込、デジタル ウォレット、モバイル ペイなどがあります。

外国人でもPayPay Japanを利用できますか?

PayPayは海外では絶対に使えません。 VPN でのテストは行っていませんが、海外では正常に動作しないことを確認しています。

外国人が日本で支払う最良の方法は何ですか?

新型コロナウイルス感染症のパンデミックによりデジタル決済や非接触型決済の利用が促進されているものの、依然として現金が好まれている方法です。ほとんどの主要なクレジット カードは、大型店舗やレストランでの購入に使用できます。ただし、地方の神社などでは現金のみの場合もあるので注意してください。

FPS 中国銀行を設立するにはどうすればよいですか?

3. HKID 番号アドレス指定で FPS を設定します
ステップ 1 モバイル バンキング アカウントにログオンし、「転送/支払い」を選択します。
ステップ 2 「FPS 設定」をタップしてから、「HKID 番号」をタップします
ステップ3 [アクティブな HKID 番号] ボタンをクリックしてリンクされたアカウントを選択し、[次へ] タブを選択します。
ステップ 4
ステップ 5
ステップ 6商戶信用卡機

EFT 支払いはどのようにすればよいですか?

EFT 支払いを行うには、送金者は受取人の銀行口座情報を知っている必要があります。 EFT 支払いを行う場合は、資金移動を承認する必要があります。その後、お金があなたの口座から引き出され、受取人の口座に入金されます。一部の EFT 取引には手数料がかかる場合があります。

独自の決済アプリを作ることはできますか?

支払いアプリ フォームを即座に作成

ドラッグ アンド ドロップのノーコード アプリ ビルダーを使用して、ビジネス用の支払いアプリを作成します。数回クリックするだけで、ブランドに合わせてカスタマイズし、製品を追加し、30 以上の決済プロセッサと統合できます。電子支付申請



2023 年 3 月 21 日  星期二   晴天


熬夜加班後皮膚不好怎麽辦?護膚方法要掌握好 分類: 未分類

 

人人都聽說過衰老,但衰老的程度主要是由外部因素造成的,比如經常熬夜加班rmk粉底的人。畢竟,現在大多數人,早上穿戴整齊,精力充沛地去上班,一加班就容易出現各種各樣的問題。那麽,你如何從加班中恢復過來呢?這是很多人好奇的問題,其實加班後保養尤為重要,即使累成狗,也不要忽視護膚的重要性。讓我們仔細看看。

註意保濕

熬夜會導致皮膚幹燥,所以保濕很重要。此時建議塗抹保濕精華,徹底鎖住水分,再使rmk粉底用晚霜,避免營養流失,達到更好的護膚效果。當然,皮膚保濕的方法有很多。除了這個辦法,最重要的是多喝水。水是生命之源。如果皮膚缺水,很容易影響皮膚狀態。所以保濕是護膚的重要基礎。

控製面部按摩時間

恰當按摩的確能給皮膚問題帶來一個很好的作用,尤其是對於血液系統循環發展不良的面部,但按摩時間rmk粉底可以因人而異,比如中性皮膚,按摩10分鐘即可實現達到促進作用,幹性皮膚的按摩時間會稍長一些,油性皮膚按摩時間最短。最後就是提醒患者們,不要按摩過敏皮膚,以免對皮膚管理帶來社會不良行為影響。

相關文章:

堅持以下日常護理方法,輕松做好皮膚護理

沒有皮膚保養就不能延緩衰老嗎? 保持這些小習慣,你就會變得美麗

學會這三種方法,你的皮膚就有救了!



2021 年 10 月 28 日  星期四   晴天


定期年金保險 分類: 未分類


養老企業年金保險是指以養老服務保障為目的的年金保險。養老年金保險公司應當更加符合下列條件:

保險合同規定,被保險人的生存保險給付年齡不得低於國家規定的退休年齡;

相鄰兩次給付的時間以及間隔不得使用超過企業一年。

在年金保險市場中,個人養老保險是主要的品種之一,也是我們關注的重點,前者可以對沖長壽風險。當你年輕的時候,你有權領取年金——月費——直到你退休,然後你領取年金直到你死去,其利率和金額可以在合同中約定。若在達到退休年齡前死亡,保險公司會按較大金額,退還累積保費(有息或無息)或現金價值。

銀保監會特別提出,要積極健康發展提供多樣化的商業社會養老年金保險,說明年金保險還有一個很大的市場經濟潛力,也將為未來需要我們可以抵禦長壽風險最有可能通過選擇的險種。

有人問道,為什麼我不提團體年金保險?主要是小組年度基金市場,2018年個人年度保險費收入達到1045.5億元,團體保險僅為20億元,年度保險比例從2001年的48.4%急劇下降至2018年的0.2%。個人養老保險是市場的主流。

宅理財:年金養老保險有哪些問題分類?精算師帶你學年金發展保險之二

養老年金保險期間不固定,直到年金領取人死亡,且對應的是固定年金保險——投保人在規定期限內繳納保險費,被保險人生存到一定期限,按照保險合同約定按時領取年金,直至合同年金保險到期。 被保險人在約定期限內死亡的,被保險人死亡時,年金終止。

最典型的的定期年金保險發展就是一個子女教育金保險。父母在孩子年幼時,為其投保子女教育金保險,等子女學習到了我們約定的年齡,比如18歲開始,則從社會保險有限公司可以領取教育金作為讀大學生活或者出國讀書的費用,直到中國大學生在畢業為止。



2021 年 9 月 9 日  星期四   晴天


美麗的女人這8種護膚技巧,讓我們的皮膚越來越好! 分類: 未分類


世界上發展沒有醜女人,只有懶女人。天生麗質並不是我們每個人都可以天生就是擁有的。很多好看又漂亮的女人,在背後下了中國很多的功夫。其實,在日常學習生活中,有很多護膚小技巧,Mioggi皇牌產品是可以通過讓我們進行皮膚問題越來越多越好的。

今天,我們分享8個護膚小貼士,適合恐懼、疼痛、不敢微調的可愛。

技巧①:護膚企業要根據膚質來

每個人的皮膚狀況不同,護膚方法也不同。適合別人的護膚品可能不適合自己。當我們購買護膚品時,我們必須根據我們的皮膚質地來選擇。否則,皮膚不會愈合,只會變得更糟。

技巧②:面膜是必須品

如果不太懂護膚,時間不多,Mioggi好用面膜是最好的選擇。面膜是最快的護膚品,可以在15分鍾左右改善我們的皮膚狀況。所以小角質一定要貼在面膜上,這樣皮膚才能越來越好,整個人才會越長越漂亮。

建議3:護膚品不需要很貴

貴婦產品和平價銷售產品裏都有好產品,我們在挑選一些護膚品的不必執著於價位,按照學生自己的需求進行選擇一個即可,適合中國自己膚質和錢包的才是企業最好的。

小貼士4: 護膚品不一定是全套的

護膚品可以根據自己的需求選擇自己需要的,櫃姐肯定會說整套會更好。尤其是油性皮膚,買乳液就不需要入手面霜了。它們有相似的效果,但紋理不同,一個更薄,另一個更薄更重。

秘訣5: 在淡季保養你的皮膚

我們女性的皮膚不是一成不變的,年齡、氣候、溫度、濕度的變化都會影響她們。很多小可愛在換季的時候變得非常敏感。在這種情況下,皮膚護理應該簡單,不要給皮膚增加太多負擔。

技巧⑥:防曬很重要

很多女演員,當她們在戶外的時候,Mioggi生命水她們會用一整瓶的防曬霜噴霧。原因是紫外線是我們皮膚變黑和老化的主要原因。為了讓皮膚白皙,並能延緩衰老,防曬霜的作用就得認真對待了。

技巧⑦:堅持使用眼霜

我們的眼睛是最容易導致衰老的地方。眼霜一定要通過堅持用,越早用越好,二十歲可以左右的小可愛,選補水以及保濕的就行。二十五歲之間左右,就要進行選擇有緊致、抗皺功效的眼霜了。

技巧⑧:睡眠很重要

最昂貴的面膜熬夜到深夜,不僅浪費金錢,皮膚也不會改善。熬夜影響內分泌,影響排毒,熬夜傷害身體和皮膚。熬夜的後果是很難只靠皮膚護理。每天10點上床睡覺,關掉手機,大約一個月後,皮膚能被肉眼看到更好。

美麗的女人被撫養長大。這8種護膚技術讓我們的皮膚越來越好。你做過哪些?



2021 年 8 月 30 日  星期一   晴天


下一步放開工商物業按揭比例 分類: 未分類


自2009年HKMA首次對抵押貸款實施審慎監管措施以來,未來采取的大部分措施都是針對住宅市場,直到2013年初才推出適合工商物業的抵押貸款。不過,今年8月19日,該局宣布將寫字樓、多層工業樓宇及零售商鋪的按揭比率提高至50%,主要是由於工商物業價格有明顯的下降趨勢。

不久之前,財政司司長在8月18日的網綕也有提出要求金管局聯同銀行延長「預先批核還息不還本」計劃,措施背後可看到政府想透過銀行去協助企業面對資金困難,綠表居屋按揭尤其工商物業的租售價巳下調逾10%,雖然增加成數未必有太多幫助,但已經給予銀行一些彈性去協助企業利用物業發揮其摃捍效果。至於會不會刺激非住宅價格上漲,我覺得不會,因為投資者正在仔細觀察疫情對經濟的影響,很多高回報的交易已經反映出他們已經預測到租金還有下調的空間。

至於HKMA,它也提到住房市場相對穩定,這也歸功於過去措施的有效性,即使在社會運動和流行病之後,這些措施仍然保持穩定。盡管如此,我認為某些措施還有優化的空間。例如,所有銀行目前都要接受3% 利率的壓力測試。然而,最近美國聯邦儲備委員會暗示,未來兩三年內可能不會加息。用3%作為壓力測試是否過分?是否可以減至1或2厘呢?

此外,目前的貸款比例過於傾向於精銀住宅樓。副作用是,這類房產的價格大幅上漲,迫使首次購房者購買自己的公寓。但中高價住宅門檻太高,只能做50%抵押,換樓鏈條形成斷層,大大增加了小單元業主換大單元的難度。為了改善房地產市場而不被扭曲,應該允許銀行不加區別地統一發放住宅抵押貸款的比例,比如70%。

關於白表綠表居屋按揭成數的成數問題,專業按揭公司為你輕鬆解答。儘管居屋按揭安排有別於私人物業,而且加按轉按均有限制,但在擁有逾20年經驗的專業團隊的幫助下定能迎刃而解。

如果能劃一用七成按揭成數,對於發展商來說,也是好事,他們可興建多些中至大面積單位,因為通常能夠負擔買介乎700至1,000呎單位的家庭一般的需求彈性較大,呎價亦會較「納米樓」理想。此外,發展商無須為買家提供二按,以彌補現有銀行的低按揭成數。

目前,房屋委員會有空間考慮放寬按揭成數。上限的放寬,可讓銀行有更多空間根據借款人的需要作出判斷。幾年後,如果樓市再熱,房管局就有變相收緊的空間,否則“熱招”就失去了效用。