grant writers for non profits Second, in the first half of this year, the bank's personal demand deposits and currency in circulation fell by more than 3 trillion yuan, and by the second half of this year, domestic bank deposit growth fell below 10%. In response to the year-end big test, the deposit rate has been raised accordingly. Some state-owned Banks have a one-year deposit rate of 1.75%, which is about 16.7% above the benchmark interest rate. Some state-owned Banks perform 1.5 percent of the benchmark interest rate. But the DRAM and NAND semiconductor industries have gone from boom to bust in the face of rising prices and the abundance of falling prices. Will it be any different this time? Or is the need for mobile device memory and disk replacement sufficient to continue to delay the abundance until the foreseeable future? Modern economy, the interest rate as the price of money, not only restricted by many factors in the economic and social, and changes in interest rates to have a great impact on the economy as a whole, as a result, modern economists are studying the interest rate decision problem, pay special attention to the relationship between the variables and the balance of the economy as a whole, the interest rate decision theory has experienced the classical interest rate theory, Keynes's interest theory, interest rate in loanable funds theory and is-lm analysis as well as the contemporary evolution of dynamic interest rate model, the development process. The knowledge of the futures market is not too much. If you work hard, you will be able to learn the knowledge of futures by the end of the year. So the introduction of futures is very easy, but this is only the first phase of learning. After completing this initial study, many people conclude that futures are easy to operate and start trading. As a result, losses ensued, and in real deals he found that he had too much to learn. This will allow investors to move quickly into the second phase of learning: confusion and confusion. At this stage, investors find that there is so much to learn that they don't know what to learn. It seems that everything needs to be learned, and it seems that learning nothing is useless. Most investors are not able to get through this stage and are eliminated from the market. Investors who can get through this stage will enter another state where he can form his own trading philosophy, form his own trading patterns, and even form his own trading philosophy. In other words, his mind and trade have formed a system. But he still phases into the state of investors profit, it is impossible to a steady profit, the average person after reaching this state, he again learning motivation will gradually lose, he started to cycle around their own system, he felt he had to understand the market: the market. But the market is far from "just that". His own system began to become a barrier to his further learning, and he began to close himself, deny others, even laugh at investors in the first two stages, and refuse to communicate with others. Indeed, there are not many people who can reach this stage, so he becomes lonely and it is difficult to learn and progress again. When investors reach this stage, they will form their own system: technical or fundamental, or policy-based, much like the wuling faction, each other light. However, the study of the futures market is really starting from the third stage, which is equivalent to the basic course, and the third stage begins to enter the specialized courses. The first two stages are all knowledge, and the third stage is to learn skills. The learning of skills is endless and the continuous improvement of skills is the foundation for you to stay profitable. Apple has released some incredible huge facts for their third quarter of 2011, with quarterly revenue reaching $28.7 billion, growing 82% year over year along with a net gain of $7.31 billion. Steve Jobs, Apple's CEO said: 'We're thrilled to deliver good quarter ever, with revenue up 82 percent and profits up 125 percent.' and the man added 'Right now, we're very focused and pumped up about bringing iOS 5 and iCloud to the users this fall.' By the third stage, the main way to learn is to practice and understand. It is not only the practice and understanding of trading, but also the practice and understanding of life. You will realize that the market is just a person, you are dealing with the market, in fact is dealing with a person with deep connotation. When you have a new understanding, you will be the original thought fully understand what you have a new understanding, including your original have no way of technical indicators and way to trade, and analysis. Everyone is contributing to the market. Everyone is working hard for their profits. Everyone has something to learn. At this time, your study is mainly to communicate with people, exchange ideas, experience, experience, even personality. Don't limit yourself to trading and market study. Learn and improve by learning how to get along with people and get along with others. This is the learning of roots. Through this kind of study form atmosphere, calm, objective, face, easy. Atmosphere, calm, objective and face, easy to deal the importance of needless to speak, this style does not come in through the technical behavior can achieve and implementation, nor by increasing your ability to forecast analysis and money management can achieve. Before 2004, I didn't care about the fundamentals, and I didn't think the fundamentals were useful. However, in 2005, I found myself wrong, not in the fundamental way, but in the fact that I didn't use it at all. In 2005, several large transactions were conducted through basic analysis, which was far better than pure technical analysis. Fundamentals can analyze the market, and it is concluded that the approach of interval, and the technical method can be used to test the operation is correct, technical signals can be used to control transaction risk and trading right. The right level of trading can determine the size of your transaction. For me this is really a very meaningful development. And the fundamental reunderstanding comes not from books, but from communication with enterprises, communication with people, and essentially communication with society.