• 某投资者A预测股票市场将下跌，于是卖出当月沪深300股指期货合约，准备指数下跌后买入期指，这种行为被称为( )。 A.多头套保 B.空头投机 C.空头套保 D.多头投机
• 某种贴现式国债面额为100元，贴现率为3.82%，到期时间为90天，则该国债的内在价值为 ( )。 A.99.045 B.99.150 C.99.050 D.99.605
• 若ρij=-1，则表示Ri和Rj( )。 A.零相关 B.不确定 C.完全正相关 D.完全负相关
• 深交所证券的收盘价通过( )的方式产生，收盘集合竞价不能产生收盘价或未进行收盘集合竞价的，以当日该证券最后一笔交易前1分钟所有交易的成交量加权平均价(含最后一笔交易)为收盘价，当日无成交的，以前收盘价为当日收盘价。 A.连续竞价 B.协议竞价 C.集合竞价 D.充分竞价
• 私募基金的投资产品面向不超过( )人的特定投资者发行。 A.200 B.500 C.100 D.300
• 通过对( )和( )的比较分析，可以了解投资者对该基金的认可程度。 A.基金份额变动情况；持有人结构 B.基金分红能力；持有人结构 C.基金盈利能力；持有人结构 D.基金份额变动情况；基金盈利能力
• 为防范证券结算风险，我国设立了( )，用于垫付或弥补因违约交收、技术故障、操作失误、不可抗力等造成的证券登记结算机构的损失。 A.证券结算风险基金 B.证券交易风险基金 C.管理风险准备金 D.投资者保护基金
• 下列不属于不动产投资特点的是( )。 A.异质性 B.低流动性 C.不可分性 D.可分性
• 下列不属于技术分析假定的是( )。 A.历史会重演 B.市场行为涵盖一切信息 C.股价具有趋势性运动规律 D.股票的价格围绕价值波动
• 下列关于封闭式基金的利润分配的说法错误的是( )。 A.封闭式基金的收益分配，每年不得少于一次 B.封闭式基金只能采用现金分红 C.基金收益分配后基金份额净值不得低于面值 D.封闭式基金年度收益分配比例不得高于基金年度可供分配利润的90%
• 下列关于合伙制与公司制私募股权投资基金组织形式，说法正确的是( )。 A.公司制是指私募股权投资基金以股份公司形式设立 B.合伙型基金具有独立的法人地位 C.有限合伙人具备独立的经营管理权力 D.公司制的基金管理人会受到股东的严格监督管理
• 下列关于基金公司会计系统说法错误的是( )。 A.严禁需要相互监督的岗位由一人独自操作全过程 B.基金会计核算应当独立于公司会计核算 C.独立建账、独立核算 D.对公司所管理的基金，应当以公司所管理的全部基金为会计核算主体
• 下列关于现金流量表的说法，错误的是( )。 A.现金流量表所表达的是在特定会计期间内，企业的现金的增减变动等情形 B.现金流量表也叫财务状况变动表 C.现金流量表是根据收付实现制为基础编制的 D.现金流量表是以权责发生制为基础编制的
• 下列关于证券市场做市商和经纪人的说法，错误的是( )。 A.利润来源不同 B.市场流动性贡献不同 C.不能共同合作完成证券交易 D.市场角色不同
• 下列选项中不属于投资者和证券公司之间股票收益互换的是( )。 A.固定利率和股票收益的互换 B.股票收益和固定利率的互换 C.固定利率和固定利率的互换 D.股票收益和股票收益的互换
• 下列选项中属于显性成本的是( )。 A.机会成本 B.佣金 C.冲击成本 D.买卖价差
• 夏普比率是用某一时期内投资组合平均( )除以这个时期收益的标准差。 A.部分收益 B.超额收益 C.绝对收益 D.相对收益
• 以下不属于可转换债券的基本要素的是( )。 A.赎回条款 B.转换期限 C.市场利率 D.回售条款
• 以下关于单利和复利的说法，错误的选项是( )。 A.按照复利的计算方法，每经过一个计息期，要将所生利息加入本金再计利息 B.单利终值的计算公式为FV=PV(1＋i)n，其中PV为本金，i为年利率，n为计息时间 C.单利和复利都是计算利息的方法 D.按照单利的计算方法，只要本金在计息周期中获得利息，无论时间多长，所生利息均不加入本金重复计算利息
• 以下关于基金投资管理三大根本能力的说法错误的是( )。 A.基金投资管理的三大根本能力为风险管理能力、证券选择能力和时机选择能力 B.投资组合管理首要的是风险管理，要在控制风险的基础上创造稳定、可持续的超额收益 C.超额收益的来源主要通过证券选择和时机选择 D.证券选择能力为基金通过选择价值被高估的证券产生额外收益的能力
• 以下关于主动比重的说法中错误的是( )。 A.主动比重衡量一个投资组合与基准指数的相似程度 B.主动比重用来衡量投资组合相对于基准的偏离程度 C.与基准不同并不意味着投资组合一定会跑赢或跑输基准 D.与基准不同就意味着投资组合的业绩表现会与基准有显著区别
• 以下说法错误的是( )。 A.汇率是资金成本的主要决定因素 B.通货膨胀的测量主要采用物价指数，如居民消费价格指数、生产者物价指数、商品价格指数等 C.国内生产总值( GDP)是衡量一个国家或地区的综合经济状况的常用指标，是指某一特定时期内在本国领土上所生产的产品和提供的劳务的价值综合，是衡量整体经济活动的总量指标 D.汇率的变动直接影响本国产品在国际市场的竞争能力，从而对本国经济增长造成一定影响
• 以下选项中，属于不存在活跃市场投资品种估值原则的是( )。 A.在估值日有报价的，除会计准则规定的例外情况外，应将该报价不加调整地应用于该资产或负债的公允价值计量 B.估值日无报价且最近交易后未发生影响公允价值计量的重大事件的，应采用最近交易日的报价确定公允价值 C.有充足证据表明估值日或最近交易日的报价不能真实反映公允价值的，应对报价进行调整，确定公允价值 D.应采用在当前情况下适用并且有足够可利用数据和其他信息支持的估值技术确定公允价值
• 有关基金公司交易部职能的说法，表述错误的是( )。 A.交易部属于基金公司的普通保密部门，与其他部门的保密要求相同 B.基金采取集中交易制度，即基金的投资决策与交易执行职能分别由基金经理与基金交易部门承担 C.交易部是基金投资运作的具体执行部门，负责投资组合交易指令的审核、执行与反馈 D.交易部在交易过程中严格执行相关规定，并利用技术手段避免违规行为的出现
• 在不能买空卖空的情况下，构造的投资组合不可能达到的效果是( )。 A.某些情形下，组合中的某一资产的损失可以被另一资产的收益抵消 B.降低整个投资组合的非系统性风险 C.使得组合投资收益的波动变小 D.使得组合投资预期收益比组合中的任一资产各自的预期收益都大
• 证券交易的隐性成本不包括( )。 A.买卖价差 B.冲击成本 C.过户费 D.机会成本
• 根据A公司2015年的财务数据，其总资产为10亿元，总负债为6亿元，销售净利润为1亿元，则A公司2015的净资产收益率为( )。 A.10% B.25% C.12.5% D.16.7%
• 关于财务报表分析的直接作用，以下说法错误的是( )。 A.评估企业经营业绩 B.发现企业存在的问题 C.发现企业的潜在投资机会 D.改善企业经营状况
• 关于合格境内机构投资者(QDII)，以下描述错误的是( )。 A.QDII应在托管人处开立托管账户 B.QDII应在国家外汇管理局核准的境外证券投资额度内进行投资 C.QDII应定期向国家外汇管理局报告其额度使用及资金汇出入情况 D.QDII应先向国家外汇管理局申请并获得境外证券投资额度后，向中国证监会申请境外证券投资业务许可文件
• 关于证券交易买卖差价，以下表述错误的是( )。 A.同一股票在不同的时段也会表现出不同的买卖差价 B.成熟市场的股票一般流动性较好，而新兴市场的股票买卖价差则较大 C.买卖差价很大程度上是由证券类型及其流动性决定的 D.一般来讲，大盘蓝筹股流动性较好，买卖差价大
• 基金公司投资风险管理步骤正确的是( )。 A.识别风险→测量风险→处理风险→风险管理的评估和调整 B.测量风险→识别风险→处理风险→风险管理的评估和调整 C.识别风险→测量风险→风险管理的评估和调整→处理风险 D.测量风险→识别风险→风险管理的评估和调整→处理风险
• 基金卖出股票按照( )的税率征收印花税。 A.1‰ B.1.5‰ C.2‰ D.3‰
• 假设某投资者持有5 000份基金A，当前的基金份额净值为1.4元，对该基金按1∶1.4的比例进行拆分操作后，对应的基金资产为( )元。 A.3 571 B.5 000 C.7 000 D.9 800
• 每一计息期的利息额相等的利息计算方法为( )。 A.单利 B.复利 C.可能单利也可能复利 D.有时单利有时复利
• 目前，中外合资基金管理公司外资持股上限为不超过( )。 A.10% B.20% C.49% D.51%
• 市场利率走低时，以下判断正确的是( )。 A.债券价格上升，再投资收益上升 B.债券价格不变，因为利息收益相对增加，但再投资收益下降，两者互相抵消 C.债券价格下降，再投资收益下降 D.债券价格上升，再投资收益下降
• 我国基金资产估值的责任人是基金( )，但基金( )对估值结果负有复核责任。 A.托管人，管理人 B.管理人，证监会 C.管理人，托管人 D.托管人，基金业协会
• 下列不属于银行间债券市场的交易品种的选项是( )。 A.债券 B.期货 C.回购 D.远期交易
• 下列关于QFII的说法错误的是( )。 A.QFII是我国在资本项目完全开放背景下选择的一种资本市场开放制度 B.允许符合条件的境外机构投资者汇入一定额度的外汇资金 C.QFII在境内的资本利得、股息红利等经相关机构审核后方可汇出境外 D.QFII制度旨在实现在利用外资的同时，又通过外汇管制和宏观调控的手段避免外资对国内证券市场冲击的目标
• 下列关于金融衍生工具的叙述，错误的是( )。 A.衍生资产价格与标的资产价格具有联动性 B.杠杆性在很大程度上决定了衍生工具所具有的高风险性 C.衍生工具可能面临信用风险 D.结算风险是指因操作人员人为错误或系统故障或控制失灵导致损失的风险
• 下列关于企业年金说法有误的是( )。 A.企业年金基金财产在投资过程中需要严格遵循有关法规确定的投资比例限制 B.企业年金基金可投资于信用等级为投机级的金融债和企业债 C.企业年金基金财产的投资范围包括银行存款、国债等 D.企业年金是指企业年金计划筹集的资金及其投资运营收益形成的企业补充养老保险基金
• 下列关于做市商说法错误的是( )。 A.报价驱动市场也被称为做市商制度 B.与股票不同，几乎所有的债券和外汇都是通过做市商交易的 C.所有投资者都可以充当做市商的角色 D.做市商的利润来源是买卖差价
• 下列选项公式不正确的是( )。 A.杜邦恒等式为：净资产收益率=销售利润率总资产周转率权益乘数 B.费雪方程式可以表述为：实际利率=名义利率-通货膨胀率 C.远期利率可以由两个即期利率决定，公式为：f=[(1+s2)^2/1+s1]-1 D.样本标准差的计算公式为：
• 一般来说，( )伴随着巨大的资本利得，被认为是私募股权投资退出的最佳渠道。 A.二次出售 B.首次公开发行 C.管理层回购 D.买壳上市或借壳上市
• 以下不属于CFA提出了最佳执行的实施框架中包含的是( )。 A.过程 B.披露 C.记录 D.目的
• 以下关于另类投资的优势与局限性的说法，错误的是( )。 A.缺乏监管、信息透明度低 B.风险可以降到趋近于零 C.流动性较差，杠杆率偏高 D.估值难度大，难以对资产价值进行准确评估
• 以下关于算法交易的说法错误的是( )。 A.算法交易对市场冲击没有影响 B.算法交易提高了交易的执行效率 C.算法交易能确保复杂的交易及投资策略得以执行 D.可以在较长时期内观察其有效性和可复制性
• 以下选项中关于终值和现值的说法错误的是( )。 A.1/(1+i)^n“称为复利现值系数或1元的复利现值，用符号(PV，i，n)表示 B.(1+i)^n称为复利终值系数或1元的复利终值，用( FV，i，n)表示 C.单利是指每经过一个计息期，要将所生利息加入本金再计利息的方法 D.复利终值的计算公式为FV=PV(1+i)^n
• 在金融市场上，以股票为例，当没有任何决定性的消息发布的时候，股价走势很多时候呈现出“随机游走”的特点，这里的“随机游走”就是指股价的波动值服从( )。 A.正态分布 B.分位数 C.中位数 D.随机变量
• 中国证券投资基金业协会估值工作小组针对长期停牌股票的估值方法不包括( )。 A.最近一个交易日的收盘价 B.市场价格模型法 C.指数收益法 D.可比公司法
• 以下属于衡量货币市场基金的风险指标包括( )。Ⅰ.投资组合平均剩余期限 Ⅱ.投资组合平均剩余存续期 Ⅲ.融资回购比例 Ⅳ.浮动利率债券投资情况 Ⅴ.投资对象的信用评级 A.Ⅱ、Ⅲ、Ⅳ、Ⅴ B.Ⅰ、Ⅲ、Ⅳ、Ⅴ C.Ⅰ、Ⅱ、Ⅳ、Ⅴ D.Ⅰ、Ⅱ、Ⅲ、Ⅳ、Ⅴ
• 投资者使用股权收益互换的目的包括( )。Ⅰ.策略投资 Ⅱ.杠杆交易 Ⅲ.股权融资 Ⅳ.市值管理 Ⅴ.创建结构产品 A.Ⅰ、Ⅱ、Ⅲ B.Ⅰ、Ⅱ、Ⅲ、Ⅳ C.Ⅰ、Ⅱ、Ⅲ、Ⅳ、Ⅴ D.Ⅰ、Ⅱ、Ⅲ、Ⅴ
• 以下属于中国证券业协会公布的第一批具有协会会员资格的基金评价机构的是( )。Ⅰ.招商证券股份有限公司 Ⅱ.北京济安金信科技有限公司 Ⅲ.北京证券报社 Ⅳ.海通证券股份有限公司 A.Ⅰ、Ⅱ、Ⅲ、Ⅳ B.Ⅰ、Ⅱ、Ⅲ C.Ⅰ、Ⅱ、Ⅳ D.Ⅰ、Ⅲ、Ⅳ
• 某权证的基本要素如下表所示：则下列说法正确的是( )。 A.1份权证只可以在2008年6月20日当天行权卖出0.5份标的股票 B.1份权证可以在2007年6月21日起至2008年6月20日之间任意一个交易日行权卖出0.5份标的股票 C.1份权证可以在2007年6月21日起至2008年6月20日之间任意一个交易日行权卖出2份标的股票 D.1份权证只可以在2008年6月20日当天行权卖出2份标的股票
• 某证券投资基金公告进行收益分配，分红方案为每10份基金份额分0.5元。某投资者长期持有该基金10000份，份额登记日基金单位净值为1.100元，除权日基金单位净值为1.055元，则该投资者收到的红利金额为()元。 A.550 B.500 C.450 D.527.5
• Text 4 Many people talked of the 288,000 new jobs the Labor Department reported for June,along with the drop in the unemployment rate to 6.1 percent,as good news.And they were right.For now it appears the economy is creating jobs at a decent pace.We still have a long way to go to get back to full em...
• In our contemporary culture,the prospect of communicating with--or even looking at--a stranger is virtually unbearable.Everyone around us seems to agree by the way they fiddle with their phones,even without a 1 underground.It's a sad reality--our desire to avoid interacting with other human beings--...
• In our contemporary culture,the prospect of communicating with--or even looking at--a stranger is virtually unbearable.Everyone around us seems to agree by the way they fiddle with their phones,even without a 1 underground.It's a sad reality--our desire to avoid interacting with other human beings--...
• In our contemporary culture,the prospect of communicating with--or even looking at--a stranger is virtually unbearable.Everyone around us seems to agree by the way they fiddle with their phones,even without a 1 underground.It's a sad reality--our desire to avoid interacting with other human beings--...
• In our contemporary culture,the prospect of communicating with--or even looking at--a stranger is virtually unbearable.Everyone around us seems to agree by the way they fiddle with their phones,even without a 1 underground.It's a sad reality--our desire to avoid interacting with other human beings--...
• In our contemporary culture,the prospect of communicating with--or even looking at--a stranger is virtually unbearable.Everyone around us seems to agree by the way they fiddle with their phones,even without a 1 underground.It's a sad reality--our desire to avoid interacting with other human beings--...
• In our contemporary culture,the prospect of communicating with--or even looking at--a stranger is virtually unbearable.Everyone around us seems to agree by the way they fiddle with their phones,even without a 1 underground.It's a sad reality--our desire to avoid interacting with other human beings--...
• In our contemporary culture,the prospect of communicating with--or even looking at--a stranger is virtually unbearable.Everyone around us seems to agree by the way they fiddle with their phones,even without a 1 underground.It's a sad reality--our desire to avoid interacting with other human beings--...
• In our contemporary culture,the prospect of communicating with--or even looking at--a stranger is virtually unbearable.Everyone around us seems to agree by the way they fiddle with their phones,even without a 1 underground.It's a sad reality--our desire to avoid interacting with other human beings--...
• In our contemporary culture,the prospect of communicating with--or even looking at--a stranger is virtually unbearable.Everyone around us seems to agree by the way they fiddle with their phones,even without a 1 underground.It's a sad reality--our desire to avoid interacting with other human beings--...
• In our contemporary culture,the prospect of communicating with--or even looking at--a stranger is virtually unbearable.Everyone around us seems to agree by the way they fiddle with their phones,even without a 1 underground.It's a sad reality--our desire to avoid interacting with other human beings--...
• In our contemporary culture,the prospect of communicating with--or even looking at--a stranger is virtually unbearable.Everyone around us seems to agree by the way they fiddle with their phones,even without a 1 underground.It's a sad reality--our desire to avoid interacting with other human beings--...
• In our contemporary culture,the prospect of communicating with--or even looking at--a stranger is virtually unbearable.Everyone around us seems to agree by the way they fiddle with their phones,even without a 1 underground.It's a sad reality--our desire to avoid interacting with other human beings--...
• In our contemporary culture,the prospect of communicating with--or even looking at--a stranger is virtually unbearable.Everyone around us seems to agree by the way they fiddle with their phones,even without a 1 underground.It's a sad reality--our desire to avoid interacting with other human beings--...
• In our contemporary culture,the prospect of communicating with--or even looking at--a stranger is virtually unbearable.Everyone around us seems to agree by the way they fiddle with their phones,even without a 1 underground.It's a sad reality--our desire to avoid interacting with other human beings--...
• In our contemporary culture,the prospect of communicating with--or even looking at--a stranger is virtually unbearable.Everyone around us seems to agree by the way they fiddle with their phones,even without a 1 underground.It's a sad reality--our desire to avoid interacting with other human beings--...
• In our contemporary culture,the prospect of communicating with--or even looking at--a stranger is virtually unbearable.Everyone around us seems to agree by the way they fiddle with their phones,even without a 1 underground.It's a sad reality--our desire to avoid interacting with other human beings--...
• Text 1 A new study suggests that contrary to most surveys,people are actually more stressed at home than at work.Researchers measured people's cortisol,which is a stress marker,while they were at work and while they were at home and found it higher at what is supposed to be a place of refuge.“Furthe...
• Text 1 A new study suggests that contrary to most surveys,people are actually more stressed at home than at work.Researchers measured people's cortisol,which is a stress marker,while they were at work and while they were at home and found it higher at what is supposed to be a place of refuge.“Furthe...
• In our contemporary culture,the prospect of communicating with--or even looking at--a stranger is virtually unbearable.Everyone around us seems to agree by the way they fiddle with their phones,even without a 1 underground.It's a sad reality--our desire to avoid interacting with other human beings--...
• Text 1 A new study suggests that contrary to most surveys,people are actually more stressed at home than at work.Researchers measured people's cortisol,which is a stress marker,while they were at work and while they were at home and found it higher at what is supposed to be a place of refuge.“Furthe...
• Text 2 For years,studies have found that first-generation college students—those who do not havea parent with a college degree—lag other students on a range of education achievement factors.Their grades are lower and their dropout rates are higher.But since such students are most likely to advance e...
• Text 2 For years,studies have found that first-generation college students—those who do not havea parent with a college degree—lag other students on a range of education achievement factors.Their grades are lower and their dropout rates are higher.But since such students are most likely to advance e...
• In our contemporary culture,the prospect of communicating with--or even looking at--a stranger is virtually unbearable.Everyone around us seems to agree by the way they fiddle with their phones,even without a 1 underground.It's a sad reality--our desire to avoid interacting with other human beings--...
• Text 1 A new study suggests that contrary to most surveys,people are actually more stressed at home than at work.Researchers measured people's cortisol,which is a stress marker,while they were at work and while they were at home and found it higher at what is supposed to be a place of refuge.“Furthe...
• In our contemporary culture,the prospect of communicating with--or even looking at--a stranger is virtually unbearable.Everyone around us seems to agree by the way they fiddle with their phones,even without a 1 underground.It's a sad reality--our desire to avoid interacting with other human beings--...
• Text 2 For years,studies have found that first-generation college students—those who do not havea parent with a college degree—lag other students on a range of education achievement factors.Their grades are lower and their dropout rates are higher.But since such students are most likely to advance e...
• Text 2 For years,studies have found that first-generation college students—those who do not havea parent with a college degree—lag other students on a range of education achievement factors.Their grades are lower and their dropout rates are higher.But since such students are most likely to advance e...
• In our contemporary culture,the prospect of communicating with--or even looking at--a stranger is virtually unbearable.Everyone around us seems to agree by the way they fiddle with their phones,even without a 1 underground.It's a sad reality--our desire to avoid interacting with other human beings--...
• Text 1 A new study suggests that contrary to most surveys,people are actually more stressed at home than at work.Researchers measured people's cortisol,which is a stress marker,while they were at work and while they were at home and found it higher at what is supposed to be a place of refuge.“Furthe...
• Text 3 Even in traditional offices,“the lingua franca of corporate America has gotten much more emotional and much more right-brained than it was 20 years ago,”said Harvard Business School professor Nancy Koehn.She started spinning off examples.“If you and I parachuted back to Fortune 500 companies ...
• Text 3 Even in traditional offices,“the lingua franca of corporate America has gotten much more emotional and much more right-brained than it was 20 years ago,”said Harvard Business School professor Nancy Koehn.She started spinning off examples.“If you and I parachuted back to Fortune 500 companies ...
• Text 4 Many people talked of the 288,000 new jobs the Labor Department reported for June,along with the drop in the unemployment rate to 6.1 percent,as good news.And they were right.For now it appears the economy is creating jobs at a decent pace.We still have a long way to go to get back to full em...
• Text 4 Many people talked of the 288,000 new jobs the Labor Department reported for June,along with the drop in the unemployment rate to 6.1 percent,as good news.And they were right.For now it appears the economy is creating jobs at a decent pace.We still have a long way to go to get back to full em...
• Text 4 Many people talked of the 288,000 new jobs the Labor Department reported for June,along with the drop in the unemployment rate to 6.1 percent,as good news.And they were right.For now it appears the economy is creating jobs at a decent pace.We still have a long way to go to get back to full em...
• Text 3 Even in traditional offices,“the lingua franca of corporate America has gotten much more emotional and much more right-brained than it was 20 years ago,”said Harvard Business School professor Nancy Koehn.She started spinning off examples.“If you and I parachuted back to Fortune 500 companies ...
• Text 3 Even in traditional offices,“the lingua franca of corporate America has gotten much more emotional and much more right-brained than it was 20 years ago,”said Harvard Business School professor Nancy Koehn.She started spinning off examples.“If you and I parachuted back to Fortune 500 companies ...
• Text 4 Many people talked of the 288,000 new jobs the Labor Department reported for June,along with the drop in the unemployment rate to 6.1 percent,as good news.And they were right.For now it appears the economy is creating jobs at a decent pace.We still have a long way to go to get back to full em...
• Text 3 Even in traditional offices,“the lingua franca of corporate America has gotten much more emotional and much more right-brained than it was 20 years ago,”said Harvard Business School professor Nancy Koehn.She started spinning off examples.“If you and I parachuted back to Fortune 500 companies ...
• Text 2 For years,studies have found that first-generation college students—those who do not havea parent with a college degree—lag other students on a range of education achievement factors.Their grades are lower and their dropout rates are higher.But since such students are most likely to advance e...
• Some Old Truths to Help You Overcome Tough Times Unfortunately,life is not a bed of roses.We are going through life facing sad experiences.Moreover,we are grieving various kinds of loss:a friendship,a romantic relationship or a house.Hard times may hold you down at what usually seems like the most i...
• Some Old Truths to Help You Overcome Tough Times Unfortunately,life is not a bed of roses.We are going through life facing sad experiences.Moreover,we are grieving various kinds of loss:a friendship,a romantic relationship or a house.Hard times may hold you down at what usually seems like the most i...
• Some Old Truths to Help You Overcome Tough Times Unfortunately,life is not a bed of roses.We are going through life facing sad experiences.Moreover,we are grieving various kinds of loss:a friendship,a romantic relationship or a house.Hard times may hold you down at what usually seems like the most i...
• Some Old Truths to Help You Overcome Tough Times Unfortunately,life is not a bed of roses.We are going through life facing sad experiences.Moreover,we are grieving various kinds of loss:a friendship,a romantic relationship or a house.Hard times may hold you down at what usually seems like the most i...