人生何其短,“糊涂”也是一种境界life is short,being silly is also a realm

We all, at one time or another, have pretended to be a rock star, singing and dancing along to our favorite song.

Most of us have done this in the privacy of our own room when we were kids and as adults, in the privacy of our homes.

Me? I love to do that when I drive! I turn on the radio, find a song that I can sing along too and pretty soon my arms are in the air and I am moving along to the rhythm. Most of the time, I do this on my way to work.

Yes, that is true. I will be in my nice work clothes, jamming while driving or stopped at a traffic light. I get weird looks from some people and others laugh.

Personally, I love to get lost in the rhythm of a song which leads me to share with you the importance of being silly!

The definition for the word silly, according to the dictionary is: stupid, foolish and nonsensical. I know many people do not want to look foolish. So they walk around all serious, which in all honesty, is foolish!

No one is perfect, I repeat: no one is perfect. I don’t care how educated, how thin, how beautiful, how simple, how frugal, how rich, and so on… No one is perfect! So why pretend to be something you are not?

Life is so short…You never know when this beautiful journey will be over, so why waste a single second on being so full of rigidity? Here is a quote by Souza, that I think says it all and is a great recipe for life:

“Dance as though no one is watching you,
Love as though you have never been hurt before,
Sing as though no one can hear you,
Live as though heaven is on earth.”

When we were kids, we had no idea of what limitations were and we had no care in the world so we could do things without worrying about how we appeared to others. However, as we grew up, we lost that childlike innocence.

So don’t lose the child that still lives within you. The next time you feel down, go turn on your favorite song, and sing and dance along like there is no tomorrow.

Or watch something that makes you laugh. Laughter is the best medicine to whatever ails you and nothing is better than laughing so hard that your tummy hurts.

Trust me, you will feel a whole lot better, and who doesn’t want to feel good?

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Care and concern is a universally true love 牵挂是人世间最真的情

How nice it is to be cared about as it is the real love among people.

If you are cared and concerned about and you are concerned about someone, you just feel you are in the seventh heaven.

●  Caring about someone is that you keep thinking about him or her and that you miss him or her in the deep recesses of your heart every now and then, day in and day out.

●  I care about someone who is highly treasured in your heart as if your lipstick or even your Petit Gris Snail Cream, the former adding luster to your look and your pleasure, and the latter being an effective remover of remedy of your facial stain and a killer of your occasional acne which finds nowhere to hide as well as a secret weapon to keep your 10 years younger than your peers, representing all of your daily excellent life elements.

Anything on your mind and persons cared about in your dream represent a good time in your life.

● Caring about someone is a pent-up feeling and a ceaseless affection. Thinking of something always helps you associate it with its owner.

Your care about others adds warmth to the affection, happiness to friendship and love sickness to the sweet love.

Your care about others stands for sweet memories of happiness and being cared about is the most wonderful happiness in the world.

Greetings from friends and family will never leave you alone. The sincere wishes from friends double your confidence. Your heat is brimming with ample sunshine with the affection from the loved ones.

Nothing is better than being cared about. All people are longing for the feeling of being cared about and caring about others. The ones you care about and the ones who care about you are equally worthy of being treasured.  

Being cared about is something like a cup of nectar running over with strong feelings, intoxicating so many people and brings the dreams of many people into reality.

The care from your loved ones is the driving force to cheer you on and is your entrepreneurial ladder as well as the harbor of soul. With this very care, your life is no longer pale and hopeless as it used to be, and you may feel cool even in the scorching summer heat and feel warm in the freezing cold winter. This very care you can keep you healthier with brighter smiles on your face.

Your loved ones care about you while the ones you care about are remembered in your heart all along as you care about everything on mind. Try to translate this strong emotion into the cherished care and concern as the hope of your soul. Care and concern is the dialog between heart and heart, the call and response from the soul!

Care and concern is a most beautiful emotion in the world, so who on earth does not cherish and own it?

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A Speical Letter一封特别的信

Dear World:

My son starts school today.

It’s going to be strange and new to him for a while, and I wish you would sort of treat him gently.

You see, up to now, he’s been king of the roost.

He’s been boss of the backyard.

I have always been around to repair his wounds, and to soothe his feelings.

But now-things are going to be different.
但是现在 — 一切都将不同了。

This morning, he’s going to walk down the front steps, wave his hand and start on his great adventure that will probably include wars and tragedy and sorrow.

To live his life in the world he has to live in will require faith and love and courage.

So, World, I wish you would sort of take him by his young hand and teach him the things he will have to know.

●  Teach him-but gently, if you can.

●  Teach him that for every scoundrel there is a hero; that for every crooked politician there is a dedicated leader; that for every enemy there is a friend.

●  Teach him the wonders of books.Give him quiet time to ponder the eternal mystery of birds in the sky, bees in the sun, and flowers on the green hill.

● Teach him it is far more honorable to fail than to cheat.

●  Teach him to have faith in his own ideas, even if everyone tells him they are wrong.

●  Teach him to sell his brawn and brains to the highest bidder, but never to put a price on his heart and soul.

●  Teach him to close his ears to a howling mob…and to stand and fight if he thinks he’s right.

Teach him gently, World, but don’t coddle him, because only the test of fire makes fine steel.

This is a big order, World, but see what you can do.

He’s such a nice little fellow.

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Temperance: Eat not to dullness; drink not to elevation.
Silence: Speak not but what may benefit others or yourself; avoid trifling conversation.
Order: Let all your things have their places; let each part of your business have its time.
Resolution: Resolve to perform what you ought; perform without fail what you resolve.
Frugality: Make no expense but to do good to others or yourself; i.e.waste nothing.
Industry: Lose no time; be always employ’d in something useful; cut off all unnecessary actions.
Sincerity: Use no hurtful deceit; think innocently and justly, and, if you speak, speak accordingly.
Justice: Wrong none by doing injuries, or omitting the benefits that are your duty.
Moderation: Avoid extreams; forbear resenting injuries so much as you think they deserve.
Cleanliness: Tolerate no uncleanliness in body, cloths, or habitation.
Tranquility: Be not distuibed at trifles, or at accidents common or unavoidable.
Chastity: Rarely use venery but for health or offspring, never to dullness, weakness, or the injury of your own or another’s peace or reputation.
Humility: Imitate Jesus and Socrates.
他在《富蘭克林自傳》(The Autobiography of Benjamin Franklin)中寫道,「讓我的子孫後代得知,他們的這位先輩(富蘭克林)一生福氣綿延,除了上天的恩寵,靠的就是這點小小的本領(指他將13項美德化為習慣)。」
⑴Temperance: Eat not too dullness; drink not too elevation.
⑵Silence: Speak not but what may benefit others or yourself; avoid trifling conversation.
⑶Order: Let all your things have their places; let each part of your business have its time.
⑷Resolution: Resolve to perform what you ought; perform without fail what you resolve.
⑸Frugality: Make no expense but to do good to others or yourself; i.e.,waste nothing.
⑹Industry: Lose no time; be always employ’d in something useful; cut off all unnecessary actions.
⑺Sincerity: Use no hurtful deceit; think innocently and justly,and,if you speak,speak accordingly
⑻Justice: Wrong none by doing injuries,or omitting the benefits that are your duty.
⑼Moderation: Avoid extreams; forbear resenting injuries so much as you think they deserve.
⑽Cleanliness: Tolerate no uncleanliness in body,cloaths,or habitation
⑾Tranquility: Be not distuibed at trifles,or at accidents common or unavoidable.
⑿Chastity: Rarely use venery but for health or offspring,never to dulness,weakness,or the injury of your own or another’s peace or reputation.
⒀Humility: Imitate Jesus and Socrates
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当药物不管用When the drugs don’t work

有些人认为达尔文的进化论“仅仅是个理论”,那让他们把这个说给每年因耐药性感染而死亡的70万人的亲朋好友听吧。对抗菌素和抗疟药等抗微生物药物的耐受,就是适者生存的表现。不幸的是,适应微生物就意味着不适应人类。药物耐受不仅是最鲜活地体现进化真实发生的例证之一,也是给人类带来最大直接损失的一个案例。而且情况还在不断恶化。按照目前的趋势发展下去,到2050年, 此类死亡人数可能从70万增加到一千万。
SOME people describe Darwinian evolution as “only a theory”. Try explaining that to the friends and relatives of the 700,000 people killed each year by drug-resistant infections. Resistance to antimicrobial medicines, such as antibiotics and antimalarials, is caused by the survival of the fittest. Unfortunately, fit microbes mean unfit human beings. Drug-resistance is not only one of the clearest examples of evolution in action, it is also the one with the biggest immediate human cost. And it is getting worse. Stretching today’s trends out to 2050, the 700,000 deaths could reach 10m.

Cynics might be forgiven for thinking that they have heard this argument before. People have fretted about resistance since antibiotics began being used in large quantities during the late 1940s. Their conclusion that bacterial diseases might again become epidemic as a result has proved false and will remain so. That is because the decline of common 19th-century infections such as tuberculosis and cholera was thanks to better housing, drains and clean water, not penicillin.

The real danger is more subtle—but grave nonetheless. The fact that improvements in public health like those the Victorians pioneered should eventually drive down tuberculosis rates in India hardly makes up for the loss of 60,000 newborn children every year to drug-resistant infections. Wherever there is endemic infection, there is resistance to its treatment. This is true in the rich world, too. Drug-resistant versions of organisms such as Staphylococcus aureus are increasing the risk of post-operative infection. The day could come when elective surgery is unwise and organ transplants, which stop rejection with immunosuppression, are downright dangerous. Imagine that everyone in the tropics was vulnerable once again to malaria and that every pin prick could lead to a fatal infection. It is old diseases, not new ones, that need to be feared.

常见失误Common failings

The spread of resistance is an example of the tragedy of the commons; the costs of what is being lost are not seen by the people who are responsible. You keep cattle? Add antibiotics to their feed to enhance growth. The cost in terms of increased resistance is borne by society as a whole. You have a sore throat? Take antibiotics in case it is bacterial. If it is viral, and hence untreatable by drugs, no harm done—except to someone else who later catches a resistant infection.

The lack of an incentive to do the right thing is hard to correct. In some health-care systems, doctors are rewarded for writing prescriptions. Patients suffer no immediate harm when they neglect to complete drug courses after their symptoms have cleared up, leaving the most drug-resistant bugs alive. Because many people mistakenly believe that human beings, not bacteria, develop resistance, they do not realise that they are doing anything wrong.

If you cannot easily change behaviour, can you create new drugs instead? Perversely, the market fails here, too. Doctors want to save the best drugs for the hardest cases that are resistant to everything else. It makes no sense to prescribe an expensive patented medicine for the sniffles when something that costs cents will do the job.

Reserving new drugs for emergencies is sensible public policy. But it keeps sales low, and therefore discourages drug firms from research and development. Artemisinin, a malaria treatment which has replaced earlier therapies to which the parasite became resistant—and which now faces resistance problems itself—was brought to the world not by a Western pharmaceutical company, but by Chinese academics.

给药裹上糖衣Sugar the pill

Because antimicrobial resistance has no single solution, it must be fought on many fronts. Start with consumption. The use of antibiotics to accelerate growth in farm animals can be banned by agriculture ministries, as it has in the European Union. All the better if governments jointly agree to enforce such rules widely. In both people and animals, policy should be to vaccinate more so as to stop infections before they start. That should appeal to cash-strapped health systems, because prophylaxis is cheaper than treatment. By the same logic, hospitals and other breeding grounds for resistant bugs should prevent infections by practising better hygiene. Governments should educate the public about how antibiotics work and how they can help halt the spread of resistance. Such policies cannot reverse the tragedy of the commons, but they can make it a lot less tragic.


Policy can also sharpen the incentives to innovate. In a declaration in January, 85 pharmaceutical and diagnostic companies pledged to act against drug resistance. The small print reveals that the declaration is, in part, a plea for money. But it also recognises the need for “new commercial models” to encourage innovation by decoupling payments from sales.

本周,这一想法在英国政府和医疗慈善组织惠康基金会(the Wellcome Trust)委托撰写的一系列报告的最后一篇中有所提及。报告作者——经济学家吉姆·奥尼尔( Jim O’Neill)提出了很多建议,其中之一是,公司若能将新抗生素培育到实际可用,则向其支付他称之为“市场进入奖励”的报酬。此举可保证在销售收入之外,新药还会获得8亿美元至13亿美元的奖金。
That thought is taken up this week in the last of a series of reports commissioned by the British government and the Wellcome Trust, a medical charity. Among the many recommendations from its author, Jim O’Neill, an economist, is the payment of what he calls “market-entry rewards” to firms that shepherd new antibiotics to the point of usability. This would guarantee prizes of $800m-1.3 billion for new drugs, on top of revenues from sales.

Another of Lord O’Neill’s suggestions is to expand a basic-research fund set up by the British and Chinese governments in order to sponsor the development of cheap diagnostic techniques. If doctors could tell instantaneously whether an infection was viral or bacterial, they would no longer be tempted to administer antibiotics just in case. If they knew which antibiotics would eradicate an infection, they could avoid prescribing a drug that suffers from partial resistance, and thereby limit the further selection of resistant strains.

Combining policies to accomplish many things at once demands political leadership, but recent global campaigns against HIV/AIDS and malaria show that it is possible. Enough time has been wasted issuing warnings about antibiotic resistance. The moment has come to do something about it.

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位于伦敦金融区边缘的阿尔德门大街(Aldgate High Street)上的博彩公司吸引了自己的一批冒险者。但马路对面,属于伦敦证券交易所集团(LSE)的伦敦清算所集团(LCH.Clearnet)才是真正玩大赌注的地方。它和其他清算所目前占据了高级金融的核心地位。它们确保每天数万亿美元的衍生品合约得以兑付。并购交易的十年创造了清算所的五大巨兽:伦敦证券交易所(LSE)、德国证券交易所(Deutsche Börse)、芝加哥商品交易所(CME)集团、洲际交易所(ICE)和香港交易及结算所(HKEX)。LSE和德国证券交易所之间的合并计划将会把巨兽的数目减少到四个。
THE bookmaker on Aldgate High Street, on the fringes of London’s financial district, attracts its fair share of risk-takers. But across the road, at the offices of LCH.Clearnet, part of the London Stock Exchange Group (LSE), the really big bets are handled. It and other clearing-houses now occupy a central position in high finance. They ensure that trillions of dollars are paid out on derivatives contracts each day. A decade of dealmaking has created five big beasts of clearing: LSE, Deutsche Börse, CME Group, ICE and HKEX. A planned merger between LSE and the Germans would reduce that to four.

伦敦证券交易所和德国证券交易所的名字是来自于各自的交易所。然而如今各自的清算所——伦敦清算所集团和欧洲期交所清算公司(Eurex Clearing)挣的钱却更多,因为衍生品清算已经成为现代金融体系的中心。
LSE and Deutsche Börse take their names from their respective bourses. But they now make more money from their clearing-houses, LCH.Clearnet and Eurex Clearing. That is because the clearing of derivatives has become central to the modern financial system.

Imagine two banks want to hedge against interest-rate movements, but in opposite directions. They sign a contract that will lead to a payment from one to the other if rates rise, and the reverse if they fall. The potential loss or gain is theoretically unlimited, since there is no ceiling (or floor, as the world is fast learning) to rates. To make sure the other party is able to pay up, the two will often work through a middleman—the clearing-house. For a fee, the clearing-house signs two offsetting but technically separate derivatives contracts with the two parties. As long as both know that it is good for the money, they know their bets are solid.

But the clearing-house is now left with the risk that the losing party fails to stump up. So it asks the two parties to post collateral, or margin, which it can keep if one of them defaults. That way the clearing-house only suffers if the defaulting party owes more than the margin it has posted.

In theory, this system makes bank failures less contagious and the financial system more resilient. In 2009 the G20, a club of big economies, decided that simple derivatives contracts should all be put through clearing-houses, rather than settled directly between the two parties. As a result, clearing-houses, also known as central counterparties, now handle trades with a notional worth of hundreds of trillions of dollars.

The more margin the clearing-houses take, the safer they are. The required margin is calculated using sophisticated actuarial models, and is heavily regulated. The riskier a trade, naturally, the more margin is needed. LCH.Clearnet and Eurex Clearing hold some €150 billion ($170 billion) in collateral between them (see chart). Deutsche Börse notes that its large margin pool helps to ensure the “safety, resiliency and transparency of global financial markets”. But having to put up more collateral is expensive for customers. Clearing-houses, which compete for customers, therefore have an incentive not to take too much.

银行要赌的当然不只是利率。比如,它们还可以购买和债券收益率 或货币的走势挂钩的衍生品。其中一些价格之间的相对移动是可以预见的,比如利率期货的收益可能会抵消债券价格期货的损失。清算所在计算客户总共要多少担保额时,也会考虑这些相关性,这种技术称为“交叉保证金”或“投资组合保证金”。CME集团宣称其投资组合保证金服务可以将保证金要求下调54-80%。伦敦清算所的“Spider”和欧洲期交所“Prisma”服务也与此类似。
Banks don’t just bet on interest rates, of course. They may also buy derivatives tied to bond yields or currency movements, say. Some of those prices move in relation to one another in predictable ways. Gains on an interest-rate future may offset losses on a bond-price future, for example. Clearing-houses take such correlations into account when setting the overall amount of collateral they demand from their customers, a technique called “cross-margining” or “portfolio margining”. CME Group boasts that its portfolio-margining service can cut margin requirements by 54-80%. LCH.Clearnet’s “Spider” and Eurex’s “Prisma” services do something similar.

All of which gives clearing-houses an incentive to merge. Some clients use LCH.Clearnet and Eurex Clearing to make correlated wagers. If the two entities combined, they could use cross-margining to reduce the amount of collateral such customers needed, gaining an advantage over the competition. (The pair say that initially, at least, they would limit such offsetting to perfectly matching derivatives.)

There is a downside, though. The exchange industry is already highly concentrated. Regardless of who gobbles up LSE (ICE may yet enter the fray), the five big groups will soon become four. As they consolidate, the amount of collateral in the system is likely to be reduced.

That could prove risky. Correlations between different asset classes sometimes break down during crises. Such unpredictable movements caused the clearing-house of the Hong Kong Futures Exchange to blow up after the stockmarket crash of 1987, forcing the city’s capital markets to close. Such events suggest that models that rely on correlations to trim margin requirements must be ultraconservative.

There is no evidence that any big clearing-house holds too little collateral. Their models are designed to withstand the simultaneous failure of their two biggest customers. They can also tap big default funds if things go wrong. Regulators are untroubled. But it is a worry, nonetheless, that the logic of competition seems to be ever-bigger clearing-houses with ever less collateral.

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第一个,就是用户至上思维。O2O的一大问题在于是过于重视用户的需求,然而却忽略了,用户并不等于顾客,赚钱才是生意的真面目。合理的生意模式应该是平衡顾客和商家之间的利益,说白了就是要让消费者享受便宜,又让商家尝到利润的甜头。但在O2O商业模式里,大部分企业不问原因,向用户需求一边倒。 仔细划分一下,O2O商业模式无非遵循三个思维逻辑:原本线下完成的,转移到线上解决。如支付、点单等;原本到店的,现在改为到家,原本固定的手艺人,变成了流动的服务者,比如洗车,美甲。在传统的线上模式,企业还可以通过大流量,平摊边际成本,实现盈利,可到了线下呢,每多一个顾客,企业成本却在上升,用上门足疗作为例子,你多服务一个足疗用户就得多雇技师,而技师的工作时间又很有限,低价或者补贴都只能是暂时的营销手段,根本不可持续,最后就变为成本驱动,用户越多,赔的越多。所以说,这些边际成本过高的市场,和这些消费能力有限的用户,根本就是伪需求。








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