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最後你提到你與我氣質相同的問題,確是非常中肯。你我秉性都過敏,容易緊張。而且凡是熱情的人多半流于執著,有fanatic[狂熱]傾向。你的觀察與分析一點不錯。我也常說應該學學周伯伯那種瀟灑,超脫,隨意游戲的藝術風格,沖淡一下大多的主觀與肯定,所謂positivism[自信獨斷]。無奈向往是一事,能否做到是另一事。有時個性竟是頑強到底,什麼都扭它不過。幸而你還年輕,不像我業已定型;也許隨著閱歷與修養,加上你在音樂中的燻陶,早晚能獲致一個既有熱情又能冷靜,能入能出的境界。總之,今年你請教Kobos[卡波斯]?太太後,所有的進步是我與杰老師久已期待的;我早料到你並不需要到四十左右才悟到某些淡泊、樸素、閑適之美像去年四月《泰晤土報》評論你兩次蕭邦音樂會所說的。附帶又想起批評界常說你追求細節太過,我相信事實確是如此,你專追一門的勁也是fanatic[狂熱]得厲害,比我還要執著。或許近二個月以來,在這方面你也有所改變了吧?注意局部而忽視整體,雕琢細節而動搖大的輪廓固談不上藝術;即使不妨礙完整,雕琢也要無斧鑿痕,明明是人工,听來卻宛如天成,才算得藝術之上乘。這些常識你早已知道,問題在于某一時期目光大集中在某一方面,以致耳不聰,目不明,或如孟子所說“明察秋毫而不見輿薪”。一旦醒悟,回頭一看,自己就會大吃一驚,正如五五年時你何等欣賞彌蓋朗琪利,最近卻弄不明白當年為何如此著迷。 從通信所得的印象,你岳父說話不多而含蓄甚深,涵養功夫極好,但一言半語中流露出他對人生與藝術確有深刻的體會。以他成年前所受的教育和那麼嚴格的紀律而論,能長成為今日這樣一個獨立自由的人,在藝術上保持鮮明的個性,己是大不容易的了;可見他秉性還是很強,不過藏在內里,一時看不出罷了。他自己在書中說︰“我外表是哈潑齊巴,內心是雅爾太。”?但他堅強的個性不曾發展到他母親的路上,沒有那種過分的民族自傲,也算大幸。色情五月阁婷婷 ……知道你準備花幾年苦功對付巴哈,真是高興,這一點(還有貝多芬)非過不可。五三年曾為你從倫敦訂購一部AibertSchweitzer︰BachtranslatedbyErnestNewman2vols[艾伯特施韋澤著︰《巴哈》一由歐內斯特-紐曼翻譯,共上、下兩冊],放在家里無用,已于一月四日寄給你了。原作者是當代巴哈權威,英譯者又是有名的音樂學者兼批評者。想必對你有幫助。此等書最好先從頭至尾看一遍,以後再細看。一切古典著作都不是一遍所能吸收的。亚洲黄色网站 天天影视色欲影视

As with the government shutdown before it, the costs of tariffs for Chinese imports on small businesses do not end when politicians say they do

20Jun

As the trade war between the US and China continues and billions of dollars in tariffs continue to weigh down the supply chains of America's small businesses, we may be reminded of another recent political decision that ended up hurting American businesses and workers most of all.

The cost of the shutdown

In the weeks following the end of the longest-ever federal government shutdown earlier this year, there was much talk of the cumulative effect that the shutdown had on the economy a permanent loss of $3bn, according to a Congressional Budget Office estimate.

While the losses that private sector businesses experienced during the shutdown were real and painful for millions of Americans, the CBO's analysis did not incorporate indirect effects, such as the lack of access to government-backed loans specifically, small business administration (SBA) loans.

SBA loans are considered the gold standard of small business loans. They are not funded by government money but dispersed by trusted partners and backed by a federal guarantee. SBA loans are important tools for small business owners who qualify: It is rare to find traditional loans with interest rates and repayment terms that beat SBA loans.

During the shutdown, the processing of SBA loan applications was forced to an indefinite stop. As days dragged into weeks, reality set in for small businesses: If you want to make investments in your business an expansion or renovation, new hires, refinancing you may not be able to wait.

Many did not. According to data sourced by Fundera, 11% of businesses that were ready to receive SBA loans these were businesses that passed FICO small business scoring service (SBSS) and would fund tomorrow if they could instead opted to get financing from a different source than the SBA during the shutdown. In all, 50% of businesses who started an SBA application with Fundera went on to submit loan applications for other products during this time period.

This is no small thing. Some business owners decided to move ahead without receiving the best funding possible. As a result, they may end up paying out more in interest rates and other fees, over a shorter repayment period.

The long-term impacts

In all, a wealth of opportunities may have been wasted, squandered or otherwise gone unrealized as contractors moved on, deals dried up and decisions were made to move ahead while small businesses missed out on more than $2bn in halted funding from the SBA.

Couple these lost opportunities to acquire affordable funds with the lost revenue from decreased demand during December and Januaryand many small businesses may now be mired in uncertainty rather than prosperity.That is because a business that qualifies for an SBA loan can stretch their debt and shrink their monthly payments. This frees up cash flow that they can put into their pockets, reinvest into their business, pay down additional debt, expand, grow, hire and ultimately have a better chance of success.

The SBA has reportedly been working hard on processing loan applications since the government reopened. But just as government contractors will not receive back pay, America's small businesses will be unable to return their less-optimal funding for SBA loans.

The cost of Chinese tariffs

A similar sort of uncertainty is playing out today thanks to tariffs on billions of dollars' worth of Chinese goods with the potential for even more tariffs in the weeks to come, covering every sort of Chinese import. According to a poll of 1,700 small business owners, 43% of businesses said that their costs are increasing as a result of the additional 15% duty tax they may need to pay on imports. Businesses which for years cultivated trusted Chinese manufacturers will now have to pay untenable prices for their wares or seek less experienced and poorer quality suppliers in countries like Indonesia and Vietnam.

Will these tariffs last through next month? Will they last through the end of this presidential term? Will they go another four years? Business owners can take out loans or find workarounds to mitigate the hits to their bottom lines, but at the end of the day, they will still pay a ton in tariffs, in lost business, in poorer quality that can kill their business over the course of a few short months.

Most politicians agree that small businesses are the engine of America's economy, as they make up 99.7% of US employer firms but long-term government shutdowns and supply chain price hikes stall that engine and force many of its components to halt entirely.

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