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Take a peak into Jamya Wiley's world."I'm a varsity cheerleader, I'm on the varsity track team, varsity cross country team, I'm in the national honor society," Wiley said. At 17-years-old, the shy but joyful teenager is on a mission."College is really expensive," she said.From an early age Jamya decided to hit the books and now her years of hard work and weighted 6.1 GPA are paying off.The Fort Pierce, Florida teen has earned more than million in scholarships."It was amazing to know that I was that, I was the top person, that I got the most amount of scholarships out of any student that ever attended Lincoln Park," she told Scripps station WPTV in West Palm Beach, Florida. Jamya said she knew success was in her future, but others couldn't always see it."At honor roll ceremonies, or things where I would get awards, people would come up to me and say, 'wow'. I would appreciate it, but it was kind of like they didn't expect it or it's uncommon," she said. The million in scholarships won't make Jamya take it easy. The Lincoln Park Academy student said she's setting new goals."That all and all encourages me to just do my best and encourage other kids that look like me to do their best so that we can change the story," she said. Jamya has five colleges on her final list and she expects to choose one this weekend. She also recently found out she won the Bill and Melinda Gates full ride scholarship. 1479
The 2020 holiday shopping season will be different from all other years due to the coronavirus pandemic.Target on Thursday became the latest major retailer to outline how it will attempt to keep is employees safe during the busy holiday shopping season.For one, Target expects to match 2019 hiring levels despite a downtrodden economy. The company said that it will double its staff dedicated to contactless shopping options, like its “Drive Up” service.Target said that seasonal employees will be given free access to virtual doctor visits through the end of the year, backup daycare, mental health services, and PPE. Seasonal employees, in addition to current staff, will also be paid for up to 14 days if required to quarantine or have a confirmed coronavirus-related illness."The success of our business strategy rests on the strength of our team and their ability to adjust quickly to the needs of our guests and their changing shopping patterns," said Melissa Kremer, Target's Chief Human Resources Officer. "Throughout the year, the team has successfully balanced strong demand in our stores with surging digital volume. Knowing that the holiday season will be unlike any other, we're building in even more flexibility to make sure Target remains a safe and convenient place to work and shop, while investing in our team's industry-leading pay and benefits." 1373

STURGIS, Mich. — If you’re not a cat person, keep reading.Ron Williams of Sturgis turns 85 in September. Not too long ago, to keep him company, a friend brought him a boy cat named Fluffy.Over the first few weeks they had together, Williams says he and Fluffy hit it off right away.“I looked at him and hey, I just fell in love with him,” said Williams.As it’s safe to say we all do with our pets, Williams talked to Fluffy quite a lot. When the senior got calls on his cellphone, he’d joke around with Fluffy then too.“The phone would ring, and I would say ‘ring-a-ding,’” said Williams. “And I didn’t know he’d pick up on it.”Then, a few days ago, Williams slipped and fell getting out of the shower. He couldn’t move.“My arm was pinned under me, and the hours kept going by,” said Williams. “16 hours…”From roughly 8 a.m. until midnight later that day, Williams laid in agony. The door was closed, and his Life Alert was in the other room on the charger. His phone was in the bathroom with him, but just out of reach on the counter.Lucky for Williams, Fluffy was in the room too. And whether or not he knew it, he’d been training Fluffy for this moment accidentally.“So I said ‘ring-a-ding Fluffy, you’re my only hope,’” Williams said, tearing up. “And he was. It wasn’t even five minutes later I felt something hit my hand. And I’m here because of it.”The cat had brought Williams his phone and he was able to dial 911.“I relive it a million times. What if he wouldn’t have been in there with me? I’d be dead today,” he added.Now Williams, who served with the U.S. Army in Korea, is fine – left only with some soreness and bumps and bruising. Compared to the alternative, he knows he’s lucky.“He’s my hero, and he always will be,” said Williams. “He’ll never be away from me until the day I die.”This story was originally published by Doug Reardon at WXMI. 1868
The AARP launched new ads, demanding Congress take action to help older Americans to find affordable medication.It’s a problem David Mitchell is experiencing. He is fighting blood cancer, and treatment does not come cheap.“The drugs I use right now that are keeping me alive, keeping the cancer at bay, cost 0,000 a year,” he says. “That’s retail price.”Mitchell pays for expensive, supplemental insurance so he can afford his medicine, but the sticker shock for cancer medication became an awakening.“The experience as a cancer patient brought me face-to-face with a fundamental truth, and that is drugs don’t work if people can’t afford them,” Mitchell says. “And all over the country, people are struggling with high-drug costs. They’re cutting pills in half, they’re skipping doses, they go into debt, they declare bankruptcy.”David started an organization called Patients for Affordable Drugs. He’s on a mission to lower prescription prices. This week, he’s getting help from one of the largest nonprofits in the country.AARP launched a new campaign to pressure Congress not to make any changes to a bill they passed earlier this year that lowered drug costs for seniors.“AARP is saying absolutely not. This is wrong. We’re going to protect that deal that reduced costs for Medicare beneficiaries, and we’re not gonna give Pharma a billion bailout,” Mitchell says.Healthcare was a top issue during the midterm elections, and Mitchell hopes the new ads will put pressure on the new Congress to do more.“In the midterm elections, politicians ran on a promise to lower drug prices, and we believe that voters can Congress a mandate to do it,” Mitchell says. 1678
Tens of thousands of people turn to Google every month to see if now is the time to invest. It’s a loaded question, especially this year: In late February 2020, the S&P 500 began a monthlong decline, finding what investors hope was the pandemic floor on March 23.Historically, it has taken an average of about two years for the market to recover from a crash; this time, it bounced back in just 149 days. By the end of August, the index was once again hitting record highs.Stranger still, this unprecedented recovery came amid dour headlines, with U.S. unemployment hitting an all-time high in April and remaining above 10% through July.Between the stock market’s erratic behavior and economic uncertainty across the globe, investors are understandably wary. But that shouldn’t mean sitting out of the market.Understanding the Main Street-Wall Street disparityThe market’s recovery is clearly at odds with the U.S. economy. But a closer look shows this imbalance may not be as perplexing as it seems.The stock market reflects investor sentiment about the future, not what’s happening right now. While retail investors may be more inclined to buy and sell based on daily headlines, institutional investors are looking far ahead. And given the rapid market recovery (and the expectation of continued help from the Federal Reserve), it appears Wall Street isn’t spooked.The S&P 500 is also market cap-weighted, meaning larger companies will have a bigger impact on its performance (see how the S&P 500 works to learn more about this). The five largest companies in the index (Apple, Microsoft, Amazon, Facebook and Google’s parent company Alphabet) are in tech, an industry that hasn’t been hit as hard by COVID-19. The tech-driven recovery helped push the S&P 500 to its record high, despite the ongoing economic issues caused by the pandemic.And then there are the high hopes for an eventual vaccine. According to Robert M. Wyrick Jr., managing member and chief investment officer of Post Oak Private Wealth Advisors in Houston, investors may be betting on the belief that a coronavirus vaccine will be produced sooner rather than later. If and when a viable vaccine is broadly available, it’s likely to be a big driver of continued growth in the markets.“While this is likely already priced into the market to some degree, I would prefer not to be on the sidelines when this ultimately happens,” says Wyrick, whose firm specializes in advanced risk-managed investing.Timing the market vs. time in the marketAccording to Marguerita Cheng, a certified financial planner and CEO of Blue Ocean Global Wealth in Gaithersburg, Maryland, when you start investing isn’t as important as how long you stay invested. And that’s a maxim to remember in a pandemic, too.“The best way to build wealth is to stay invested, but I know that can be challenging,” Cheng says in an email interview.It’s easier if you invest only for long-term goals. Don’t invest money you may need in the next five years, as it’s highly possible the stock or mutual fund you purchase will drop in value in the short term. If you need those funds for a large purchase or emergency, you may have to sell your investment before it has a chance to bounce back, resulting in a loss.But if you’re investing for the long term, those short-term drops aren’t of much concern to you. It’s the compounding gains over time that will help you hit your retirement or long-term financial goals. (See how compounding gains work with this investment calculator.)The water’s fine, but wade in slowlyOne of the best strategies to remain calm and stay invested during periods of volatility is a technique known as dollar-cost averaging.Through this approach, you invest a specific dollar amount at regular intervals, say once or twice a month, rather than trying to time the market. In doing so, you’re buying in at various prices that, in theory, average out over time.Wyrick notes this is also an excellent strategy for first-time investors looking to enter the market during times of uncertainty.“It’s very difficult to time when to get into the market, and so there’s no time like the present,” Wyrick says. “I wouldn’t go all-in at once, but I think waiting around to see what happens to the economy or what happens to the market in the next three, six or nine months in most cases ends up being a fool’s errand.”So how, exactly, do you start dollar-cost averaging into the market? A common strategy is to pair this with stock funds, such as exchange-traded funds. ETFs bundle many different stocks together, letting you get exposure to all of them through a single investment. For example, if you were to invest in an S&P 500 ETF, you would have a stake in every company listed in the index. Rather than investing all your money in a few individual stocks, ETFs help you quickly build a well-diversified portfolio.To dollar-cost average you could set up automatic monthly (or weekly, or biweekly) investments into an ETF through your online brokerage account or retirement account. Through this approach, you would achieve the benefits of dollar-cost averaging and diversification, all through a hands-off strategy designed for building long-term wealth.More From NerdWallet5 Things to Know About Gold’s Record-Breaking RunNew Investors: Quit Stock-Picking and Do This, Expert Says6 Ways Your Investments Can Fund Racial JusticeChris Davis is a writer at NerdWallet. Email: cdavis@nerdwallet.com.The article In a Year of Uncertainty, Should You Still Buy Stocks? originally appeared on NerdWallet. 5570
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