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一小时售罄国债抢购风依然火爆--3年年利率4.0%;5年4.27% hope i can buy in usa
2018/05/12 03:20:49瀏覽64|回應1|推薦0

一小时售罄 国债抢购风依然火爆  来源:钱江晚报 记者 潘
  昨天,2018第三期、第四期储蓄国债(凭证式)开始发售,据记者了解,这两期国债总额度300亿元。其中,第三期150亿元,期限3年,年利率4.0%;第四期150亿元,期限5年,年利率4.27%。两期国债从购买日开始计息,到期一次还本付息,不计复利,逾期不加计利息。
  昨天一早,记者在多家银行走访时发现,国债抢购热度不减,可以用“秒杀”来形容。“我们昨天就过来咨询了,今天8点多过来排队,幸好来得早。”刚买完国债的朱阿姨和钱阿姨笑着说,她们上个月来买“扑了个空”,这次早早做了准备,顺利买到了。
  今年以来,国债备受稳健型投资者欢迎。一位刚刚购买了20万元国债的周大伯告诉记者,国债风险低,收益稳健,家里人比较喜欢这种投资方式,“我们基本上每年都会买一点”。
  “额度还是比较紧张的,最主要的原因是全国范围内才发行300亿,这个数量不算多,而且一定要去柜台进系统查的。”工行一位大堂经理告诉记者,北方的群众更加认可国债这种投资方式,而且北方的银行8点半开门,“有时候9点钟额度就没了”。
  上午9点半,排队人群陆续散去,一位阿姨告诉记者,额度已经没有了,自己没买到。记者发现,四大行基本上开售一小时内额度都没了,股份行基本上当天上午售罄,所以要提早去排队购买,而去中小银行购买,买到的概率会大一些。
  没买到的朋友也不用着急,下个月10日仍有机会购买。如果实在买不到,也可以选择别的投资方式。上个月起,多家银行提高大额存单利率,最高上浮55%以上。以三年期大额存单上浮50%为例,利率为4.13%,已经超过国债。一位银行工作人员表示大额存单利率的提高可能会影响国债发行的热度,不过国债有自己的“粉丝”,因为门槛低。另外,一些老年人几十年下来都有买国债,这种习惯是很难改变的。
业内人士认为,资管新规打破刚兑,银行理财不再“保本”,国债这种“保本保息”投资品种,更受到稳健型投资者的欢迎。

--much better than usa. quite envy china people.

during Bush's bloody wars i found out many cities broken and saw local government sold out the dept. made money. that reminds me my taiwan company(K&C) sold out the made money dpet(running parking tower,仓贮 system...related), 5? years later the company fell down and myself and pity sister who bought company's stocks because me lost all our invest money.  same things happen to usa government. so we never have desire to buy usa 国债s. 

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蝙蝠
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2018/06/03 09:42
研究显示:财务问题让更多美国人感到紧张、焦虑
 来源:中国新闻网【编辑:王诗尧】
  中新网5月10日电 美国侨报网近日编译刊文称,一项新出炉的调查发现,美国人正变得越来越紧张、焦虑,其中一个主要原因是担心自己的财务问题。学者强调,大众有必要通过定期锻炼、放松、健康饮食以及与朋友家人的交流,来缓解压力影响。
  文章摘编如下:
  美国精神协会(APA)于3月下旬展开调查,对全美1000多名成年人进行了问询,并要求对他们的焦虑程度进行评分。
  以100分为最高焦虑程度,全美的平均得分为51分,较去年同期提高了5分。该调查显示,39%的受访者表示他们比去年更加焦虑。
  在所有年龄组、不同种族和性别中,都表现出了越来越多的焦虑。按时代划分,千禧一代仍然比婴儿潮一代更焦虑,而婴儿潮一代的焦虑程度上升最大,上升了7个百分点。
  受访者被要求依据5个不同方面评估他们的焦虑程度:健康、安全、财务、关系和政治。结果显示,5个方面的焦虑都有所增加,但增幅最大的是财务问题。近3/4的女性和年轻人(年龄在18岁到34岁间)以及4/5的西裔成年人都表示,他们对支付账单有点或极度焦虑。
  女性比男性更焦虑,在过去的一年里焦虑程度也比男性上升的更大。与前一年程度相比,57%的18岁至49岁的女性表示她们变得更焦虑;相比之下,38%的同龄男性表示同感。
  这种性别差异在老年人中也很明显,39%的50岁以上的女性和24%的50岁以上的男性表示,他们现在比去年更加焦虑。
  调查还发现,有色人种的总体焦虑得分要比白人族群高出11分;而受访者几乎同样关注健康、安全和财务,但对政治和关系的关注程度稍低。此外,享受医疗补助的人员比采用私人保险的人更加焦虑。-
蝙蝠(amtrak) 於 2018-06-03 09:47 回覆:

受访者还被问及他们对心理健康及其治疗的态度和看法。许多人(86%)说他们相信一个人的心理健康影响他们的身体健康,较去年的80%有所上升。
  此外,1/3的受访者认为,未经治疗的精神疾病对美国经济有重大影响,大约一半的人认为精神疾病患者的耻辱感比10年前有所减少。然而,超过1/3的人也表示,即使已接受了治疗,他们也不会投票给曾被诊断患有精神疾病的公职候选人。
对此,APA总裁艾佛雷特(Anita Everett)博士表示:“此项民调显示,美国成年人对健康、安全和财政状况越来越感到担忧。而压力和焦虑的增加会显著影响人们生活的许多方面,包括他们的心理健康和庭”
  她指出,此次调查再次强调,大众有必要通过定期锻炼、放松、健康饮食以及与朋友家人的交流,来缓解压力影响。

--when Bush issued bloody wars many 婴儿潮一代 very envy those retired including us, finally my spouse retired so 千禧一代 quite envy retired/retiring  婴儿潮一代. it looks like worse and worse in usa, if not Bush's bloody wars would be Trump's economic wars.

蝙蝠(amtrak) 於 2018-06-03 10:10 回覆:

Last year i decided invest $25000 in 1st global which lends money to small business thru my spouse anuunity company agent that declared 8% returned. because old time bad experiences i requested more details about how they did the business. but then for protect their business so cancel their clients names which made me very nervous because i wouldn't know how their clients staus, would be hit by nature diasters... when i saw our neighbourhood stores shut down then decided terminate the investment. 

just received the last portion our money, felt so released. the only one i did the best invest without losing money except earlier i invested 6-8% CDs. however i won't continue without knowing who are their clients.

蝙蝠(amtrak) 於 2018-06-03 10:33 回覆:

last year i felt our old lady neighbour seemed not doing well, this year the gardner mower guy reduced the frequecny for her and ours. a month ago she told me her doctor issued order to do physical theorpy. whenevr bad weather i helped her to pick up mails and garbage/recycle tanks. i told her whenevr she needs help just leave tanks outside i would do for her.

my spouse this time got more physical theorpy sessions(18 or over 100?) and very likely $20 copay(I hope so). indeed much less pain but still can't move his leftside toes. he also got permanet handicaped parking this year. 

Last year when we paied yearly warm water for exercise. i did invite our old lady joined for free driving but she didn't. both have diabetti and over weigh problems(both tried to reduce the weights but too late for their legs).

she has a financial expert managed her money, but very likely not so great. no one knows what mutual funds suffered Trump's economic wars because we hardly knew mutual funds business-clients such as Sears-type.

蝙蝠(amtrak) 於 2018-06-03 10:48 回覆:
this year the gardner mower guy reduced the frequecny for her and ours....
--yesterday we drived around to look for cheap barbershop(the hair cut price jump to %17-$22) and found many yards just like us--grass higher caused by reduced the frequecny mower.
finally we paied $10 (cash) for each for hair cut without wash, we have not much hairs.