井底之蛙

February 15, 2007

Heart Broken

Filed under: life, music

I listened this song again and again, again and again.

live version(preferred) and cd versin

我的天是灰色
我的心是蓝色
触摸着你的心
竟是透明的

你的悠然自得
我却束手无策
我的心痛竟是你的快乐

其实我不想对你恋恋不舍
但什么让我辗转反侧
不觉我说着说着天就亮了
我的唇角尝到一种苦涩

我是真的为你哭了
你是真的随他走了
就在这一刻
全世界伤心角色又多了我一个
我是真的为你爱了
你是真的跟他走了
能给的我全都给了我都舍得
除了让你知道我心如刀割

February 14, 2007

She married

Filed under: life

Today, Valentine’s Day, I got a message, she married, four days ago. If I didn’t ask her, she would never tell me.

She has a family now, and she finally find her true love. Congratulations!

All my love to her should cease. There will be no results.

Anyway,  hope you have a long and happy and prosperous life together.

February 6, 2007

理财建议

Filed under: other, life

转自:http://iamtin.spaces.live.com/blog/cns!9ED6CC2E019007D5!640.entry
 
上午看一个新闻节目,讲理财。昨天还和老李说股事/基金的过热问题,新闻上这个老大和老李说的差不多,我很认同,所以备忘。
1、一定要理财,否则财富不会增长。
2、理财一定不能从众!切忌不熟不做,不懂不做。
3、理财一定要有计划。投资一定要有比例。1/3是应急的资金,1/3是几年中大的计划用的钱,最后的1/3甚至更少一点的资金用来投资金融产品。前2/3的钱必须以稳健方式投资,如储蓄、债卷等,且要保证一些流动资金。
4、理财的技巧主要面向投资的1/3。这里面对于没有什么时间关注的年轻人,比较好的选择是投资基金。投资基金要注意,要分多家投资,不用看中短期收益率。因为没有时间的人不会在短期中受益。
5、股票风险巨大,想赚钱非常难。这是铁律,你应该尝试,但是应该认为这是一种赌博,且不可对其受益产生依赖。年岁大和承受能力低的人不要考虑投资股票。还有,当你身边的老奶奶都开始投资股票的时候,你千万不能进入股市!(老李和电视上的老大都这么强调!)
6、不要小看存款和债卷。有比较固定的基础,你就可以把你的精力放在你挣钱的专业地方,钱一样可以增长。
7、千万不要贷款买车!不管什么时候!
8、35岁之前最好不要贷款买大件。是最好,但是必须的时候也可以考虑。比如没有房子住的时候,可以贷款买房子。但是切记,月供不可以超过月收入的30%,一但超过你就危险了,会成为房奴。有些人挺而走险,切记如果超过50%那么你的生活质量就没了,苦不堪言!
9、不要使用信用卡消费。因为它属于无痛消费,剧痛还贷。你会经常听说两个老太太天堂中相遇,一个说我刚买房就死了,一个说我住了好多年才死, 后者贷款了这样的故事。这个故事是个tricky的问题,因为实际上贷款并不爽。回到信用卡,它是高利贷,你算算会发现银行平均贷款年利率会达到接近 18%,如果你超前消费了后果也不怎么样。你可以问问身边有卡的朋友,要么是拿信用卡当储蓄卡的,要么是卡奴,很可怜。年轻人尤其不要考虑。
10、尽量使用储蓄卡消费,并不会给你带来麻烦,而且你会开始关注自己的存款,这是种好的现象。
11、纸黄金是假期货,不用考虑。黄金钻石等期货属于边缘投资,一般消费者很难从中受益。
12、艺术品/古董投资需要非常懂行,玩票是很难挣钱的。除非你有特别的兴趣,否则不要选择这种方式。
13、股票和外汇有空都可以学习一下,不在于从中赚钱,而是学习知识。而且这些知识你总是用的到的。
14、总的来说基金可能是你的金融投资中比较重要的部分,用至1/3的资本多买几只你会发现收益满不错的。
15、对于近期有大的投资计划,如小孩上学,生小孩,旅游,结婚等时候,可以选择暂时留下那1/3。因为主动权在你那里。
16、OK,没了。总的说风险大可能收益高,风险小的收益低,自己调和一下,想生活的快乐一点即使收益低也可以。

February 1, 2007

A dream, maybe

Filed under: life

At noon, I take a siesta as usual. There maybe a dream I dimly remember. The specific time is not clear. I am back to my hometown, back to the city I raised, back to the sides of my parents, back to some sort of cosy atmosphere I am longing for. People there live a neither speedy nor slowly way of life. And I live an simple and abstemious way of life too.

After dinner, I could walk down the lakeside of emerald lake. It’s small, not large, but a cute and attracted lake I really love. Every winter, red beak sea gulls migrate from Siberia to this lovely lake. Over 20 years, maybe longer, emerald lake is the mecca for these little birds. People living here is very friendly, preparing plentiful food for them, or even feeding them. In winter, every day and night, you could see boys and girls, parents with their babies, or old couples, came to the lakeside to feed these sonnies. Some elders even named every sea gull they saw. When they call them, they seem to understand and land near the caller waiting for their award. I think, these birds, have become a little child of the city, of the people living in the city.

In my dream, or before my dream start, I couldn’t clarify. I run a little bookstore. There are enough seats for readers in it. (But how to sell these books?) It’s more like a book bar I think. I sit behind the long bookshelf, in front of me is a computer, when there is no business, I code a website for my bookstore. I could sell books or accept booking online. The bookstore is major of my life. I design it, run it, maintain it, make it getting better and better and more and more people know it, like it. I can see all kinds of groups of people coming and leaving, from spring to summer, form autumn to winter. And I just watching, watching them get older with my bookstore, with me, with the red beak sea gulls.

My life is like this, keep moving on, moving on. And what extra could I expect? Maybe not. Life is simple, why make it complicated?

This is merely a dream? or this is the desire of my mind? I couldn’t tell.






















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