凹凸世界全员视频-凹凸世界全员在线播放-哔哩哔哩视频
据资讯，谷歌宣布，计划在全球范围内裁减大约1.2万人，占其全球员工总数的6%以上。股价却大涨678.18亿美元，约合人民币逾4500亿元。此外，谷歌将推迟发放部分员工的年终奖金，因为该公司正朝着永久推迟发放奖金的方向发展。据悉，过去几年，谷歌的员工都是在1月份拿到全额奖金。据悉，谷歌将在本月向符合条件的全职员工支付80%的奖金，剩下的20%将在3月或4月支付。在4月份进行奖金发放可能使该公司能够分摊成本。
2024年12月02日，2020年，一个15岁的女孩参加了“苯海拉明挑战”，一次吃了14颗抗过敏药。结果挑战失败，永远离开了人世。
凹凸世界全员视频-凹凸世界全员在线播放-哔哩哔哩视频
黄公望创作《富春山居图》
尤其是她含情脉脉地望向刘德华的那个眼神，给许多人都留下了深刻的印象。2024-07-04 18:39·财联社
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一(驰颈)灯(顿别苍驳)跟(骋别苍)郭(骋耻辞)靖(闯颈苍驳)一(驰颈)样(驰补苍驳)，
fangsongyi“xia” chuyouwuyidezuiqianggonglueyijingmahaoliao2022-06-27 09:03·zhongguowuyishantu | 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“啥(厂丑补)同(罢辞苍驳)意(驰颈)啦(尝补)？”
上面写着记面，存面——她宁愿牺牲休息时间也要多花时间在书本上。凹凸世界全员视频-凹凸世界全员在线播放-哔哩哔哩视频
一文说清保险界的「余额宝」到底是啥原创2023-05-11 16:49·蜗牛保险经纪之前直播的时候发现好多小伙伴都问起了「万能账户」说实在话在「开元」以后我们极少提到万能账户毕竟现在的万能账户大多数没有「单卖」的而且收益没有增额产物和养老年金那么「稳」但对比现在外部的投资环境有个4%以上的收益也还是很香的（前提是收益没掉得那么快）加上很多都是买别的产物「送」的权益所以也有很多小伙伴关注起来那今天就跟大家聊一下万能账户到底要怎么用01 「万能账户」到底是个啥现在的万能账户大部分都是买了一份「主险」以后附赠的账户而这个主险一般都是年金险（例如光明慧选、如意永享）或者增额产物（例如万年禧、乐享年年）只要买完了主险以后符合要求的都能往万能账户里交钱生息可以一次性交也可以有闲钱的时候追加（一般来说「送赠品」的要求就是主险的总保费还有一些产物还会根据总保费限制万能账户最多能放多少钱）万能账户的收益其实是浮动的一般合同会写清楚一个叫「最低保证利率」的东西其实就是无论收益怎么降最低不能低于合同约定的这个「保底」那目前监管要求最高不能超过3%（评估利率下降后会降到2%）至于「实打实」影响账户收益的是当前的「结算利率」每个月在对应保险公司的官网上是可以查到的虽然每家的利率会有所不同但趋势还是非常明确的：都在持续降21年的时候还有超过5%的现在大部分都停留在4.5%左右还有的已经跌破4%了02 真的是保险界的「余额宝」吗除了收益以外「余额宝」最重要的是存取灵活这时候就不得不说讲到万能账户「取钱」的限制和涉及到的几个「手续费」初始费用：就是把钱放进账户需要交的「手续费」大部分是在1%左右追加费用：第一次以后再把钱追加进账户的「手续费」支取费用：一般前5年在账户里「取钱」会需要交手续费但一般账户过了5年以后就不需要收了持续奖励金：部分产物会有等于只要账户里的钱保持多少年不动会给一笔奖励听上去有点难懂浅举个例子：假设小A买了一款年金险以后附赠了一个万能账户初始费用和追加费用均为1%支取费用前5年依次为5%、4%、3%、2%、1%持续奖励金为1%他在第1年的时候投入了10万块就要扣掉1000块「手续费」实际在「利滚利」的钱就是9.9万到第2年的时候他又投入了10万块依然是要扣1000块「手续费」要是在他在第三年取了1万块出来这时候就要交3%的「手续费」也就是300块要是他一直不领钱第6年的时候会返1%的「持续奖励金」把之前的转钱进去的「手续费」都抵消了当然也会有小伙伴纠结万能账户的支取费用这时候可以用一项隐藏技能去处理那就是「保单贷款」：还是小A的案例他在第3年急用钱的时候可以通过贷款拿出80%的钱但账户里的20万还继续享有结算利率假设结算利率是4.7%贷款利率是5%等于只用了0.2%的利率把钱拿出来这可比支取的费用划算多了（而且保单贷款不入征信最快当天能到账）03 怎么判定万能账户的好坏在讲这个话题之前还是要先提醒一句万能账户是「赠品」无论赠品有多好我们买的始终是「主险」要是主险收益不好万能账户再怎么努力也无济于事确认了主险的情况以后万能账户就主要看以下这4点：（1）最低保证利率越高越好刚才也说了最低保证利率才是确定能拿到的收益目前主流的最低保证利率有1.74%、2%、2.5%和3%能买3%就不要买2%（2）结算利率越高、越稳定越好虽然说万能账户主要看最低保证利率上浮很虚尤其是很多开门红过完促销期利率就降下来但如果保证了最低保证利率的基础上结算利率高能薅多点羊毛也未尝不可此外还要看该保司其他产物过往的结算利率稳不稳定如果出现过那从四点几一下降到三左右的他们家的产物大概率也会在买了以后没多久就猛降那就亏大发了（3）进出手续费越低越好这个不用多讲了肯定手续费低的比高的好有奖励金返还的比没有的好（4）追加和领取额度最好没有限制年金类的万能账户通常会有每年领取20%的限制寿险类的万能账户通常没有这个限制追加额度方面大多数万能账户的追加额度会受到主险的保费或者保额限制我们追求的肯定是一个追加额度无太多的限制的账户04 手上有万能账户怎样才能用到极致储蓄险和万能账户组合和单独配置储蓄险相比资金的收益率和灵活性都更有弹性空间最常规的方式就是根据实际需求买了主险以后未来有闲钱就放进万能账户中这样叠加起来irr会拉高这个做法的前提条件是要万能账户结算利率超过主险的irr而且存入万能账户的资金占比越大整体的irr就越高还有一种做法是用万能账户的收益来交后续的保费假如小B买了一份增额寿年交3万交10年附赠了一个最低保证利率3%、当前结算收益为4.5%的万能账户在投保增额寿的当年他同时把15万放入万能账户用作第6-10年的保费资金这时候等于是在「本金」相同的情况下满5年取钱无手续费白赚了一笔「利息」这时候应该也会有小伙伴说一下子拿不出来那么多钱这倒也不影响在结算利率高的时候存入越早资金量越大就算是逐步放进万能账户也是赚的所以这么香的「赠品」你会想要吗我是蜗牛君让你买对保险少花冤枉钱如果这篇内容对你有用欢迎转发支持任何对于保险的问题现在就可以私信我一对一给你实用建议帮你买对保险不踩坑