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Youth of Today -- No savings, no pension, huge debts-- Leaving school or university means financial independence -- but does it also mean debt? Some experts say the young should take some care. It is life, but not as we know it. As this year's school leavers and graduates in Britain move on to further education or work, tasting financial independence for the first time, they show signs of being entirely different to previous generations in their attitudes to money, according to information collected by Cash. Used to debt but more affluent than previous generations, the current crop of 16 to 24-year-olds is a complex sector of society. But if they can handle their debts, these 7.5 million young adults have the potential to become quite sophisticated on money matters. Cash looked for the financial hallmarks of this group. They are going to be big spenders -- and will be targeted heavily by retailers. 'The market for products and services aimed at this group has continued to thrive' , concludes research organization Mintel in its recent report for retailers 'Selling to and Profiting from the Under 25s'. This is 'partly because the period during which people are young, free and single, unencumbered (不受妨碍的) by parents and/or children has expanded to the late twenties and early thirties,' it says. While 13 percent of the population regularly pays their utility (公共设施), credit card and other bills late, this proportion rises to a remarkable 64 percent for 18- to 24-year-olds, according to research conducted among 1000 adults by uSwitch.com. In theory, this suggests that more than 4 million of them are heading for such poor credit ratings that they will find it difficult to borrow in the future. But lenders may become more flexible in their lending terms rather than lose out on this huge sector of the consumer market. Near one in three (28 percent) of people under 35 'do not consider their future financial position', according to research from Accenture HR Services. Although half of 18- to 25-year-olds want to own their home some day, they seem almost insurmountable hurdles, according to Mintel. 'For those who had not yet bought their own property, the prospect of trying to do so seemed daunting -- if not impossible -- financially.' Or could it be that their future prosperity will depend on whether they inherit properly from their parents? They regard as necessities many items which were seen as luxuries by their parents at the same age. More than nine out of ten have their own mobile phones. 'Some looked on their phone as a kind of security blanket, feeling lost without it,' says Mintel. A car is seen as 'vital' by 64 percent of 18- to 25- year-olds, and designer clothes are worn by 44 percent of men and 35 percent of women in this age group, adds Mintel. Computer equipment is a high priority for many twenty-year-old people. Audio- visual equipment is particularly valued by young men. Credit card ownership is increasing. Nearly two-thirds of young adults have a card. More than half (58 percent) of the under-25s do not pay off their credit card bill in full each month, according to Mintel -- including 16 percent who owe more than £500. With credit card ownership predicted to increase nearly 20 percent by 2009, the younger age group could be increasingly targeted, as they are more accustomed to borrowing than older groups. Debt is commonplace in this age group. Barclays predicts that graduate debt will average £17,500 in 2006, rising to nearly £34 000 by 2010. A third of this group believe they are 'too young' to start thinking about a pension, according to Accenture. 'There is a sea change in behavior. going on here,' says Mervyn Kohler of Help the Aged. 'For recent graduates who are saddled with debt and struggling to buy a home, the last thing they would
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【多选题】政府公关的一般工作人员包括
A.
文书编辑人员
B.
信息工作人员
C.
接待人员
D.
培训专家
【判断题】讯问笔录、讯问笔录、勘验笔录,都是笔录,属于同一种证据。
A.
正确
B.
错误
【简答题】已知向量 a =( 1 , 2 ), b =(2,0),若向量λ a + b 与向量 c =(1,-2)共线,则实数λ=________.
【单选题】我国成功地发射了嫦娥一号探测卫星,对月球土壤中14种元素的分布及含量进行探测等。月球的矿产资源极为丰富,仅月球表层5 cm厚的沙土中就含铁单质上亿吨,月球上的主要矿物有辉石[CaMgSi 2 O 6 ]、斜长石[KAlSi 3 O 8 ]和橄榄石[(MgFe) 2 SiO 6 ]等,下列说法或分析不正确的是(  )
A.
辉石、斜长石及橄榄石均属于硅酸盐
B.
斜长石的氧化物形式可表示为:K 2 O·Al 2 O 3 ·6SiO 2
C.
橄榄石中铁为+2价
D.
月球上有游离态铁是因为月球上铁的活动性比地球上铁的活动性弱
【多选题】患者女,18岁,高中学生。因"言语零乱,行为怪异半月"入院。患者刚进入病房,便有冲动伤人行为,无故打另一患者,在病房扰乱秩序,非常兴奋.询问病史得知:此次为第二次发作,2年前有过类似发作,当时也是住院治疗,病情缓解较快。此次主要表现有:兴奋话多,说话东一句西一句,内容荒谬。动作多而乱,时而手舞足蹈,时而做一奇怪姿势。根据此患者的症状特征,你会考虑哪些诊断()
A.
躁狂发作
B.
癔症
C.
精神分裂症青春型
D.
精神活性物质所致精神障碍
E.
谵妄状态
F.
反应性精神障碍
【单选题】小老树的营养类型属于(),其形成的原因主要是()
A.
早衰型;土壤中的营养元素不足,比例不当
B.
饥饿型;土壤干旱瘠薄,较长时期忍受肥水不足
C.
饥饿型;立地条件干旱瘠薄,土壤通透性差
D.
早衰型;土壤干旱瘠薄、粘紧、板结、通透性差
【判断题】中国古代彩陶最著名的纹饰是斜线纹。()
A.
正确
B.
错误
【简答题】试述聚众哄抢罪的认定及与抢劫罪的区别。
【多选题】政府公关的一般工作人员包括()。
A.
文书编辑人员
B.
接待人员
C.
培训专家
D.
信息工作人员
【多选题】下列关于我国公务员的论述错误的是( )。
A.
公务员就是我国行政机关的所有工作人员
B.
公务员包括行政机关、司法机关中执行国家公务的人员
C.
公务员分为政务类公务员和业务类公务员
D.
公务员分为各级人民政府组成人员和一般公务员
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